| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GORRES, JILL3 | 1477 S KNOWLES AVE STE 200 NEW RICHMOND, WI 54017 | HEALTHPARTNERS INSURANCE COMPANY | $33K | $6K | $38K | 3.24% |
| J A COUNTER AND ASSOCIATES INC3 Filed as: J A COUNTER & ASSOCIATES | PO BOX 387 NEW RICHMOND, WI 54017 | DELTA DENTAL OF WISCONSIN | $7K | — | $7K | 9.22% |
| J A COUNTER AND ASSOCIATES INC3 Filed as: J A COUNTER & ASSOCIATES INC | 1477 S KNOWLES AVE STE 200 NEW RICHMOND, WI 54017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 17.63% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $240 | $240 | 1.09% |
| J A COUNTER AND ASSOCIATES INC3 Filed as: J A COUNTER & ASSOCIATES INC | 1477 S KNOWLES AVE STE 200 NEW RICHMOND, WI 54017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 21.41% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $146 | $146 | 0.94% |
| J A COUNTER AND ASSOCIATES INC3 | 1477 S KNOWLES AVE STE 200 NEW RICHMOND, WI 54017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $951 | $3K | 21.26% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $136 | $136 | 0.90% |
| J A COUNTER AND ASSOCIATES INC3 Filed as: J A COUNTER & ASSOCIATES | PO BOX 387 NEW RICHMOND, WI 54017 | WYSSTA INSURANCE COMPANY INC | $706 | — | $706 | 7.90% |
| J A COUNTER AND ASSOCIATES INC3 | 1477 S KNOWLES AVE STE 200 NEW RICHMOND, WI 54017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $815 | $406 | $1K | 14.99% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $58 | $58 | 0.71% |
| J A COUNTER AND ASSOCIATES INC3 | 1477 S KNOWLES AVE STE 200 NEW RICHMOND, WI 54017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $691 | $537 | $1K | 17.78% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $77 | $77 | 1.12% |
| J A COUNTER AND ASSOCIATES INC3 | 1477 S KNOWLES AVE STE 200 NEW RICHMOND, WI 54017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $593 | $425 | $1K | 17.16% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $61 | $61 | 1.03% |
| HEARTLAND BENEFITS GROUP LLC4 | 3120 CASTLETON XING SUN PRAIRIE, WI 53590 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $184 | — | $184 | 11.84% |
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 | 93 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 127 | $1.2M |
| Dental | DELTA DENTAL OF WISCONSIN | 75 | $80K |
| Vision | WYSSTA INSURANCE COMPANY INC | 68 | $9K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 93 | $7K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 94 | $22K |
| Other(6 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 93 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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."
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.