| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WISCONSIN BANKERS ASSOCIATION - EBC3 | 4721 BILTMORE LN MADISON, WI 537182107 | UNITEDHEALTHCARE INSURANCE COMPANY | $207K | — | $207K | 1.81% |
| WBA EMPLOYEE BENEFITS CORP3 Filed as: WBA EMPLOYEE BENEFITS CORPORATION | 4721 S BILTMORE LANE MADISON, WI 53718 | WISCONSIN PHYSICIANS SERVICE INSURANCE CORPORATION | $23K | — | $23K | 0.77% |
| WBA EMPLOYEE BENEFITS CORP3 | 4721 S BILTMORE LN MADISON, WI 53718 | DELTA DENTAL OF WISCONSIN | $70K | — | $70K | 4.75% |
| WBA EMPLOYEE BENEFITS CORP3 Filed as: WBA EMPLOYEE BENEFITS CORPORATION | 4721 S BILTMORE LANE MADISON, WI 53718 | WPS HEALTH PLAN INC | $22K | — | $22K | 1.50% |
| WI BANKERS ASSOC EMPLOYEE BNFT3 | PO BOX 8880 MADISON, WI 53708 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $50K | — | $50K | 8.00% |
| WBA EMPLOYEE BENEFITS CORP3 | 4721 S BILTMORE LN MADISON, WI 53718 | DELTA DENTAL OF WISCONSIN | $27K | — | $27K | 4.75% |
| WI BANKERS ASSOC EMPLOYEE BNFT3 | PO BOX 8880 MADISON, WI 53708 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $34K | — | $34K | 8.00% |
| WBA EMPLOYEE BENEFITS CORP3 | 4721 S BILTMORE LN MADISON, WI 53718 | DELTA DENTAL OF WISCONSIN | $14K | — | $14K | 4.75% |
| WBA EMPLOYEE BENEFITS CORP3 | 4721 S BILTMORE LN MADISON, WI 53718 | DELTA DENTAL OF WISCONSIN | $10K | — | $10K | 4.74% |
| WI BANKERS ASSOC EMPLOYEE BNFT3 | PO BOX 8880 MADISON, WI 53708 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 8.00% |
| WBA EMPLOYEE BENEFITS CORP3 | PO BOX 8880 MADISON, WI 53708 | NGL | $3K | — | $3K | 5.00% |
| WBA EMPLOYEE BENEFITS CORP3 | 4721 S BILTMORE LN MADISON, WI 53718 | DELTA DENTAL OF WISCONSIN | $2K | — | $2K | 4.74% |
| WBA EMPLOYEE BENEFITS CORP3 | 4721 S BILTMORE LN MADISON, WI 53718 | DELTA DENTAL OF WISCONSIN | $588 | — | $588 | 4.74% |
| WISCONSIN BANKERS ASSOCIATION - EBC3 Filed as: WISCONSIN BANKERS ASSOCIATION | 4721 BILTMORE LN MADISON, WI 537182107 | UNITEDHEALTHCARE INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| WISCONSIN BANKERS ASSOCIATION - EBC3 | 4721 BILTMORE LN MADISON, WI 537182107 | UNITEDHEALTHCARE INSURANCE COMPANY | -$11 | — | -$11 | -0.10% |
| WBA EMPLOYEE BENEFITS CORP3 | 4721 S BILTMORE LN MADISON, WI 53718 | DELTA DENTAL OF WISCONSIN | $392 | — | $392 | 4.75% |
| WBA EMPLOYEE BENEFITS CORP3 | 4721 S BILTMORE LN MADISON, WI 53718 | DELTA DENTAL OF WISCONSIN | $168 | — | $168 | 4.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WBA EMPLOYEE BENEFITS CORP., INC. EIN 39-1427087 SEE ATTACHED | Direct payment from the plan; Contract Administrator Service code 13 | — | $180K |
| RSM US LLP EIN 42-0714325 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $21K |
| REINHART BOERNER VAN DEUREN EIN 39-1126909 NONE | Legal; Direct payment from the plan Service code 29 | — | $476 |
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 | 3,368 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 128 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,529 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,725 | $15.9M |
| Dental(8 contracts) | DELTA DENTAL OF WISCONSIN | 1,262 | $2.6M |
| Vision | NGL | 922 | $66K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,734 | $622K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,505 | $422K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,734 | $699K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,734 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.