| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JILL K. KRIESE3 | 330 WEST COLLEGE AVENUE APPLETON, WI 54911 | ZURICH AMERICAN LIFE INSURANCE COMPANY | $21K | $0 | $21K | 6.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC. | 2323 N. MAYFAIR RD. #600 MILWAUKEE, WI 53226 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $30K | $0 | $30K | 11.46% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN | 400 N EXECUTIVE DR STE 300 BROOKFIELD, WI 53005 | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN | $23K | $0 | $23K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC. | 2323 N. MAYFAIR RD. #600 MILWAUKEE, WI 53226 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $14K | $0 | $14K | 6.37% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN | 93033 NETWORK PLACE CHICAGO, IL 60673 | CARE-PLUS DENTAL PLANS,INC. | $10K | $0 | $10K | 6.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC. | 2323 N. MAYFAIR RD. #600 MILWAUKEE, WI 53226 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $4K | $0 | $4K | 4.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC | 400 N EXECUTIVE DRIVE BROOKFIELD, WI 53005 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $956 | $0 | $956 | 15.00% |
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 | 1,795 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,803 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CARE-PLUS DENTAL PLANS,INC. | 515 | $175K |
| Vision | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN | 1,383 | $235K |
| Life insurance(2 contracts, 2 carriers) | ZURICH AMERICAN LIFE INSURANCE COMPANY | 1,795 | $552K |
| Short-term disability(2 contracts, 2 carriers) | ZURICH AMERICAN LIFE INSURANCE COMPANY | 1,795 | $599K |
| Long-term disability(2 contracts, 2 carriers) | ZURICH AMERICAN LIFE INSURANCE COMPANY | 1,795 | $434K |
| Other(3 contracts, 3 carriers) | ZURICH AMERICAN LIFE INSURANCE COMPANY | 1,795 | $558K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,795 | — |
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.