| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VALUE ADDED SOLUTIONS3 | 1161 HERITAGE CT SUN PRAIRIE, WI 53590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $3K | $4K | 116.94% |
| R & R INSURANCE SERVICES INC3 | N14 W23900 STONE RIDGE DR WAUKESHA, WI 53188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 39.91% |
| GERALD A GREENEN3 | 1212 S. NAPER BLVD NAPERVILLE, IL 60540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $479 | $356 | $835 | 21.72% |
| ERICK TAVAREZ3 | 212 SPRINGVIEW DR MARSHALL, WI 53559 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $360 | $8 | $368 | 9.57% |
| CORCORAN & HOYT LLC3 | 3905 TAMPA ROAD OLDSMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $192 | $139 | $331 | 8.61% |
| JODY ANN WALL3 | 1334 ROCKRIDGE RD WAUKESHA, WI 53188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $261 | $1 | $262 | 6.82% |
| MARY R ROEMER3 | N16W26577 WILD OATS DRIVE PEWAUKEE, WI 53072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $126 | $47 | $173 | 4.50% |
| MARK HOLZINGER3 | 118 E. HAMILTON AVENUE EAU CLAIRE, WI 54701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $118 | — | $118 | 3.07% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WISCONSIN | 74 | $4K |
| Vision(2 contracts, 2 carriers) | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | 182 | $133K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 98 | $2K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 77 | $2K |
| Other(5 contracts, 4 carriers) | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | 182 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.