| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIGHTCHOICE | 1831 CHESTNUT STREET ST LOUIS, MO 63103 | HCC LIFE INSURANCE | $0 | $0 | $0 | 0.00% |
| BENECO3 Filed as: BENECO OF WISCONSIN INC | 250 N PATRICK BLVD #100 BROOKFIELD, WI 53045 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 0.89% |
| BENECO3 Filed as: BENECO OF WISCONSIN, INC | 250 N PATRICK BLVD #100 BROOKFIELD, WI 53045 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.44% |
| BENECO3 Filed as: BENECO OF WISCONSIN INC | 250 N PATRICK BLVD #100 BROOKFIELD, WI 53045 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.52% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH ST STE 102 BIRMINGHAM, AL 35233 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | — | $16K | 14.56% |
| BENECO3 Filed as: BENECO OF WISCONSIN INC | 250 N PATRICK BLVD #100 BROOKFIELD, WI 53045 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 5.47% |
| DRG BENEFIT SOLUTIONS INC3 | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH ST STE 102 BIRMINGHAM, AL 35233 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | — | $24K | 27.60% |
| BENECO3 Filed as: BENECO OF WISCONSIN INC | 250 N PATRICK BLVD #100 BROOKFIELD, WI 53045 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $841 | $7K | 8.04% |
| BENECO3 Filed as: BENECO OF WISCONSIN INC | 250 N PATRICK BLVD #100 BROOKFIELD, WI 53045 | THE LICOLN NATIONAL LIFE INSURANCE COMPANY | — | $304 | $304 | 0.86% |
| BENECO3 Filed as: BENECO OF WISCONSIN INC | 250 N PATRICK BLVD STE 100 BROOKFIELD, WI 53045 | VISION SERVICE PLAN | $0 | $0 | $0 | — |
| BENECO3 Filed as: BENECO OF WISCONSIN INC | 250 N PATRICK BLVD #100 BROOKFIELD, WI 53045 | DELTA DENTAL OF WISCONSIN | $571 | — | $571 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF WISCONSIN EIN 39-0138065 HEALTH PPO | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Float revenue; Claims processing Service code 12 | 3075 VANDERCAR WAY CINCINNATI, OH 45209 | $353K |
| RIGHT CHOICE MANAGED CARE, INC EIN 47-0851593 CLAIMS PROCESSING | Claims processing; Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | 1831 CHESTNUT STREET ST. LOUIS, MO 63103 | $241K |
| PREFERRED HEALTH CHOICES EIN 90-0139311 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 5003 DUBUQUE, IA 52002 | $90K |
| NAVITUS HEALTH SOLUTIONS EIN 04-3608530 CLAIMS PROCESSING (PBM) | Claims processing Service code 12 | 1025 W NAVITUS DR. APPLETON, WI 54913 | $61K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,228 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WISCONSIN | 1,238 | $0 |
| Vision | VISION SERVICE PLAN | 1,196 | $0 |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,413 | $341K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,413 | $164K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE | 911 | $545K |
| Other(5 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,413 | $376K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,413 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.