| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIGHTCHOICE | 1831 CHESTNUT STREET ST LOUIS, MO 63103 | HCC LIFE INSURANCE COMPANY | $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 | — | $5K | $5K | 2.01% |
| BENECO3 Filed as: BENECO OF WISCONSIN INC | 250 N PATRICK BLVD #100 BROOKFIELD, WI 53045 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 2.94% |
| RIGHTCHOICE | 1831 CHESTNUT STREET ST LOUIS, MO 63103 | HCC LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| HNI RISK SERVICES Filed as: HNI RISK SERVICES LLC | 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | VISION SERVICE PLAN | $0 | — | $0 | 0.00% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH ST STE 102 BIRMINGHAM, AL 35233 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | — | $18K | 16.43% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES LLC | PO BOX 510187 NEW BERLIN, WI 53151 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.92% |
| BENECO3 Filed as: BENECO OF WISCONSIN INC | 250 N PATRICK BLVD #100 BROOKFIELD, WI 53045 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $736 | — | $736 | 0.69% |
| DBG BENEFIT SOLUTIONS3 Filed as: DBG BENEFIT SOLUTIONS INC | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH ST STE 102 BIRMINGHAM, AL 35233 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | — | $20K | 22.96% |
| BENECO3 Filed as: BENECO OF WISCONSIN INC | 250 N PATRICK BLVD #100 BROOKFIELD, WI 53045 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $603 | $3K | 3.42% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES LLC | PO BOX 510187 NEW BERLIN, WI 53151 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.06% |
| JEFF SCHULTZ | PO BOX 510187 NEW BERLIN, WI 53151 | DELTA DENTAL OF WISCONSIN | $801 | — | $801 | — |
| BENECO3 Filed as: BENECO OF WISCONSIN INC | 250 N PATRICK BLVD #100 BROOKFIELD, WI 53045 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | — |
| BENECO3 Filed as: BENECO OF WISCONSIN INC | 250 N PATRICK BLVD #100 BROOKFIELD, WI 53045 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF WISCONSIN EIN 39-0138065 HEALTH PPO | Claims processing; Other services; Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 3075 VANDERCAR WAY CINCINNATI, OH 45209 | $392K |
| RIGHT CHOICE MANAGED CARE, INC EIN 47-0851593 CLAIMS PROCESSING | Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing Service code 12 | 1831 CHESTNUT STREET ST. LOUIS, MO 63103 | $289K |
| PREFERRED HEALTH CHOICES EIN 90-0139311 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 5003 DUBUQUE, IA 52002 | $280K |
| NAVITUS HEALTH SOLUTIONS EIN 04-3608530 CLAIMS PROCESSING (PBM) | Claims processing Service code 12 | 1025 W NAVITUS DR APPLETON, WI 54913 | $66K |
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 | 1,493 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,506 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WISCONSIN | 1,295 | $0 |
| Vision | VISION SERVICE PLAN | 1,236 | $108K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,493 | $253K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 251 | $88K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,493 | $184K |
| Stop-loss / reinsurancereinsurance(2 contracts) | HCC LIFE INSURANCE COMPANY | 1,274 | $808K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,493 | $360K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,493 | — |
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."
No prospect flags tripped on this filing.