| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LON WENDT3 | 122 EAST COLLEGE AVE APPLETON, WI 54912 | WISCONSIN PHYSICIANS SERVICE INSURANCE CORPORATION | $67K | — | $67K | 3.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC. | 400 N EXECUTIVE DRIVE SUITE 300 BROOKFIELD, WI 53005 | DELTA DENTAL OF WISCONSIN | $6K | — | $6K | 4.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN, INC. | PO BOX 1650 MILWAUKEE, WI 53201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $2K | $10K | 10.85% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN | PO BOX 1650 MILWAUKEE, WI 53201 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $2K | $10K | 28.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC. | 400 N EXECUTIVE DRIVE SUITE 300 BROOKFIELD, WI 53005 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | -$65 | $2K | 10.44% |
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 | 347 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 358 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WISCONSIN PHYSICIANS SERVICE INSURANCE CORPORATION | 355 | $2.2M |
| Dental | DELTA DENTAL OF WISCONSIN | 248 | $136K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 355 | $20K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 181 | $35K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 134 | $90K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 134 | $90K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,091 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,091 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.