| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDICAL MANAGEMENT BENEFITS3 | 394 WILLIAMSTOWNE STE 201 DELAFIELD, WI 53018 | UME/GERBER LIFE INS CO | $155K | $9K | $164K | 14.22% |
| 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 | — | $68K | $68K | 5.85% |
| MEDICAL MANAGEMENT BENEFITS3 | 394 WILLIAMSTOWNE STE 201 DELAFIELD, WI 530180000 | DELTA DENTAL OF WISCONSIN | $5K | — | $5K | 3.35% |
| GARY WROBLEWSKI3 | 394 WILLIAMSTOWNE SUITE 201 DELAFIELD, WI 53018 | RELIANCE STANDARD LIFE INS CO | $16K | $1K | $18K | 32.32% |
| GARY WROBLEWSKI3 | 394 WILLIAMSTOWNE SUITE 201 DELAFIELD, WI 53018 | RELIANCE STANDARD LIFE INS CO | $8K | — | $8K | 20.00% |
| MEDICAL MANAGEMENT BENEFITS3 | 394 WILLIAMSTOWNE STE 201 DELAFIELD, WI 530180000 | WYSSTA INSURANCE COMPANY INC | $1K | — | $1K | 8.00% |
| GARY WROBLEWSKI3 | 394 WILLIAMSTOWNE SUITE 201 DELAFIELD, WI 53018 | RELIANCE STANDARD LIFE INS CO | $1K | — | $1K | 10.40% |
| GARY WROBLEWSKI3 | 394 WILLIAMSTOWNE SUITE 201 DELAFIELD, WI 53018 | RELIANCE STANDARD LIFE INS CO | $536 | — | $536 | 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 | 288 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UME/GERBER LIFE INS CO | 217 | $1.2M |
| Dental | DELTA DENTAL OF WISCONSIN | 210 | $164K |
| Vision | WYSSTA INSURANCE COMPANY INC | 159 | $18K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INS CO | 271 | $50K |
| Short-term disability | RELIANCE STANDARD LIFE INS CO | 217 | $94K |
| Long-term disability | RELIANCE STANDARD LIFE INS CO | 62 | $55K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INS CO | 271 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.