| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VIZANCE, INC.3 Filed as: VIZANCE INC | MICHAEL JOHNSON 1320 WALNUT RIDGE DR SUITE 200 HARTLAND, WI 53029 | MEDICA INSURANCE COMPANY | $25K | — | $25K | 1.44% |
| DIGITAL INSURANCE LLC3 | CHRISTOPHER DVORACEK 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | MEDICA INSURANCE COMPANY | $2K | $2K | $4K | 0.26% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: BENEFIT ALLIANT LLC | PO BOX 11267 MILWAUKEE, WI 53211 | BLUE CROSS BLUE SHIELD OF WISCONSIN | $8K | $869 | $9K | 8.52% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF WISCONSIN | $4K | — | $4K | 3.83% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: BENEFIT ALLIANT LLC | PO BOX 11267 MILWAUKEE, WI 53211 | ANTHEM LIFE INSURANCE COMPANY | $8K | $869 | $9K | 9.21% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | ANTHEM LIFE INSURANCE COMPANY | $4K | — | $4K | 4.14% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 89 | $1.7M |
| Dental | BLUE CROSS BLUE SHIELD OF WISCONSIN | 217 | $103K |
| Vision | BLUE CROSS BLUE SHIELD OF WISCONSIN | 217 | $103K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 113 | $96K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 113 | $96K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 113 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.