| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHNSON INSURANCE SERVICES LLC3 | 1103 HUNTER DR STE 100 MOUNT PLEASEANT, WI 534064040 | UNITED HEALTHCARE INSURANCE COMPANY | $13K | $0 | $13K | 1.94% |
| NATIONAL BENEFIT CONSULTANTS, INC.3 | 208 E OAK CREST DRIVE WALES, WI 53183 | TRANSAMERICA PREMIER LIFE INSURANCE CO. | $3K | $0 | $3K | 6.48% |
| JOHNSON INSURANCE SERVICES LLC3 Filed as: JOHNSON INSURANCE SERVICES, LLC | 555 MAIN ST., STE. 291 RACINE, WI 53403 | TRANSAMERICA PREMIER LIFE INSURANCE CO. | $2K | $0 | $2K | 2.96% |
| JOHNSON INSURANCE SERVICES LLC3 Filed as: JOHNSON INSURANCE SERVICES, LLC | 1103 HUNTER DR MOUNT PLEASANT, WI 534064040 | DELTA DENTAL OF WISCONSIN | $3K | $0 | $3K | 8.16% |
| NATIONAL BENEFIT CONSULTANTS, INC.3 Filed as: NATIONAL BENEFIT CONSULTANTS | 208 E. OAK CREST DR. WALES, WI 53183 | CVS PHARMACY, INC. | $350 | — | $350 | 1.21% |
| JOHNSON INSURANCE SERVICES LLC3 | 1103 HUNTER DR STE 100 MOUNT PLEASEANT, WI 534064040 | WYSSTA INSURANCE COMPANY INC | $369 | $0 | $369 | 8.21% |
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 | 49 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 61 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 73 | $722K |
| Dental | DELTA DENTAL OF WISCONSIN | 44 | $34K |
| Vision | WYSSTA INSURANCE COMPANY INC | 33 | $4K |
| Prescription drug | CVS PHARMACY, INC. | 17 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 73 | — |
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.