| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDICAL MANAGEMENT BENEFITS3 | 394 WILLIAMSTOWNE SUITE 201 DELAFIELD, WI 53018 | UME/GERBER LIFE INS CO | $152K | $9K | $161K | 14.54% |
| PRAIRIE STATES ENTERPRISES, INC.5 Filed as: PRAIRIE STATES ENTERPRISES INC | 35 EAST WACKER DRIVE SUITE 3200 CHICAGO, IL 60601 | UME/GERBER LIFE INS CO | — | $62K | $62K | 5.66% |
| MEDICAL MANAGEMENT BENEFITS3 | 394 WILLIAMSTOWNE STE 201 DELAFIELD, WI 53018 | DELTA DENTAL OF WISCONSIN | $6K | — | $6K | 3.56% |
| GARY WROBLEWSKI3 | 394 WILLIAMSTOWNE SUITE 201 DELAFIELD, WI 53018 | RELIANCE STANDARD LIFE INS CO | — | $1K | $1K | 1.24% |
| GARY WROBLEWSKI3 | 394 WILLIAMSTOWNE SUITE 201 DELAFIELD, WI 53018 | RELIANCE STANDARD LIFE INS CO | $19K | $786 | $20K | 31.21% |
| GARY WROBLEWSKI3 | 394 WILLIAMSTOWNE SUITE 201 DELAFIELD, WI 53018 | RELIANCE STANDARD LIFE INS CO | $7K | $464 | $8K | 21.25% |
| MEDICAL MANAGEMENT BENEFITS3 | 394 WILLIAMSTOWNE STE 201 DELAFIELD, WI 530180000 | WYSSTA INSURANCE COMPANY INC | $2K | — | $2K | 8.36% |
| GARY WROBLEWSKI3 | 394 WILLIAMSTOWNE SUITE 201 DELAFIELD, WI 53018 | RELIANCE STANDARD LIFE INS CO | $1K | $139 | $1K | 11.73% |
| GARY WROBLEWSKI3 | 394 WILLIAMSTOWNE SUITE 201 DELAFIELD, WI 53018 | RELIANCE STANDARD LIFE INS CO | $505 | $40 | $545 | 16.19% |
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 | 277 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UME/GERBER LIFE INS CO | 211 | $1.1M |
| Dental | DELTA DENTAL OF WISCONSIN | 195 | $155K |
| Vision | WYSSTA INSURANCE COMPANY INC | 149 | $19K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INS CO | 266 | $48K |
| Short-term disability | RELIANCE STANDARD LIFE INS CO | 207 | $93K |
| Long-term disability | RELIANCE STANDARD LIFE INS CO | 63 | $65K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INS CO | 266 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.