| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LECLAIR CORPORATION3 | 6701 UPPER AFTON ROAD ST. PAUL, MN 55125 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $60K | — | $60K | 2.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 55402 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $28K | — | $28K | 0.96% |
| BB BENEFIT GROUP LLC3 | W3786 650TH AVE SPRING VALLEY, WI 54767 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $17K | — | $17K | 10.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORIS, IL 60450 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $9K | — | $9K | 5.00% |
| BB BENEFIT GROUP LLC3 | W3786 650TH AVE SPRING VALLEY, WI 54767 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25K | $0 | $25K | 16.26% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSE E STREET MORIS, IL 60450 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | $8K | $8K | 5.00% |
| BB BENEFIT GROUP LLC3 | W 3786 650TH AVE SPRING VALLEY, WI 54767 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19K | $0 | $19K | 23.19% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 655 N. FRANKLIN ST SUITE 1900 TAMPA, FL 33602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 8.44% |
| GIS BENEFITS INC3 | 422 WAUPONSEE MORIS, IL 60450 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 5.01% |
| NICHOLAS HASELWANDER3 Filed as: NICHOLAS HASELWANER | 101 N. FAREWELL ST SUITE 203 EAU CLAIRE, WI 54703 | CONTINENTAL AMERICAN INSURANCE COMPANY | $290 | $0 | $290 | 0.35% |
| TAD HOWARD ASP3 | 10890 N SMITH RD HAYWARD, WI 54843 | CONTINENTAL AMERICAN INSURANCE COMPANY | $161 | $0 | $161 | 0.19% |
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 | 345 | 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) | 345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 555 | $3.0M |
| Dental | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | 306 | $175K |
| Vision | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | 306 | $175K |
| Life insurance | CONTINENTAL AMERICAN INSURANCE COMPANY | 345 | $157K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 345 | $157K |
| Long-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 345 | $157K |
| Other(2 contracts) | CONTINENTAL AMERICAN INSURANCE COMPANY | 345 | $240K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 555 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.