| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ZIZZL,LLC3 Filed as: ZIZZL, LLC | N67W29393 RICHTER RD HARTLAND, WI 53029 | BLUE CROSS BLUE SHIELD OF WISCONSIN | $46K | $0 | $46K | 5.14% |
| ZIZZL,LLC3 Filed as: ZIZZL, LLC | N67W29393 RICHTER RD HARTLAND, WI 53029 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | $0 | $15K | 10.70% |
| ZIZZL,LLC3 | N67W29393 RICHTER RD HARTLAND, WI 53029 | SUPERIOR VISION PLAN | $2K | $0 | $2K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF WISCONSIN TPA | Contract Administrator Service code 13 | 2801 HOOVER RD STEVENS POINT, WI 54481 | $11K |
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 | 301 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 320 | $142K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 320 | $142K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 320 | $142K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 320 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.