| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VANASTEN, CINDY A3 | 1872 MID VALLEY RD DE PERE, WI 54115 | WISCONSIN PHYSICIANS SERVICE INSURANCE CORPORATION | $13K | — | $13K | 1.74% |
| LEVITZ, DAVID3 | 3 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | WISCONSIN PHYSICIANS SERVICE INSURANCE CORPORATION | $9K | — | $9K | 1.26% |
| VANASTEN, CINDY A3 | 1872 MID VALLEY RD DE PERE, WI 54115 | WPS HEALTH PLAN INC | $2K | — | $2K | 1.79% |
| LEVITZ, DAVID3 | 3 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | WPS HEALTH PLAN INC | $1K | — | $1K | 1.21% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | DELTA DENTAL OF WISCONSIN | $7K | — | $7K | 8.71% |
| M3 INS SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 6.87% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $177 | — | $177 | 0.60% |
| M3 INS SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 9.62% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $158 | — | $158 | 0.61% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | WYSSTA INSURANCE COMPANY INC | $386 | — | $386 | 5.29% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC | THREE PARKWAY NORTH DEERFIELD, IL 60015 | WYSSTA INSURANCE COMPANY INC | $155 | — | $155 | 2.12% |
No Schedule C service providers reported on this filing.
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 | 112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WISCONSIN PHYSICIANS SERVICE INSURANCE CORPORATION | 135 | $855K |
| Dental | DELTA DENTAL OF WISCONSIN | 73 | $77K |
| Vision | WYSSTA INSURANCE COMPANY INC | 68 | $7K |
| Life insurance | STANDARD INSURANCE COMPANY | 112 | $30K |
| Long-term disability | STANDARD INSURANCE COMPANY | 112 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.