| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC D/B/A THREE | 306 W ERIE ST STE 300 CHICAGO, IL 606543902 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 2.97% |
| HAYS COMPANIES, INC.3 Filed as: HAYES COMPANIES INC | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 532263286 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $77 | $2K | 2.61% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVC INC | PO BOX 28 DUBUQUE, IA 520040028 | METROPOLITAN LIFE INSURANCE COMPANY | $953 | $568 | $2K | 1.65% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 554022105 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $602 | $602 | 0.65% |
| REMMEL & ASSOCIATES3 Filed as: REMMEL AND ASSOCIATES INC. | 5497 W WATERFORD LN SUITE B APPLETON, WI 54913 | ASSURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 16.51% |
| KEITH A KLIMA3 | 9130 W LOOMIS RD #800 FRANKLIN, WI 53132 | ASSURITY LIFE INSURANCE COMPANY | $102 | — | $102 | 0.56% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER, INC. | 800 MAIN STREET PO BOX 28 DUBUQUE, IA 52004 | NGL | $759 | — | $759 | 5.65% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF WISCONSIN, LLC | DBA HAYS COMPANIE 1200 N. MAYFAIR RD, SUITE 100 MILWAUKEE, WI 53226 | NGL | $585 | — | $585 | 4.35% |
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 | 218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 273 | $92K |
| Vision | NGL | 278 | $13K |
| Short-term disability | ASSURITY LIFE INSURANCE COMPANY | 27 | $18K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF WISCONSIN | 140 | $58K |
| Other | ERC, INC | 419 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 419 | — |
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.