| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIDWEST INSURANCE GROUP3 | 2574 SUN VALLEY DRIVE, SUITE 205 DELAFIELD, WI 53018 | NETWORK HEALTH PLAN | $27K | $337 | $28K | 4.59% |
| MIDWEST INSURANCE GROUP3 | 2574 SUN VALLEY DRIVE, SUITE 205 DELAFIELD, WI 53018 | NETWORK HEALTH PLAN | $13K | $159 | $13K | 5.43% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $8K | — | $8K | 6.28% |
| WISCONSIN ASSOC OF INDEP COLLEGES3 Filed as: WISCONSIN AUTOMOBILE DEALERS ASSN. | 150 E GILMAN ST #A MADISON, WI 53703 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $4K | $4K | 3.58% |
| WATDA SERVICES INC3 | 150 E GILMAN ST #A MADISON, WI 53703 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 1.25% |
| MIDWEST INSURANCE GROUP3 | 2574 SUN VALLEY DRIVE, STE 205 DELAFIELD, WI 53018 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 8.70% |
| WISCONSIN ASSOC OF INDEP COLLEGES3 Filed as: WISCONSIN AUTOMOBILE DEALERS ASSN. | 150 E GILMAN ST #A MADISON, WI 53703 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $2K | $2K | 3.92% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 2.24% |
| WATDA SERVICES INC3 | 150 E GILMAN ST #A MADISON, WI 53703 | AMERICAN FIDELITY ASSURANCE COMPANY | $627 | — | $627 | 1.25% |
| MIDWEST INSURANCE GROUP3 | 2574 SUN VALLEY DRIVE, STE 205 DELAFIELD, WI 53018 | CARE-PLUS DENTAL PLANS, INC | $2K | — | $2K | 8.00% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | NETWORK HEALTH PLAN | 117 | $1.0M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 168 | $79K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 168 | $58K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 168 | $58K |
| Short-term disability(2 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 117 | $174K |
| Long-term disability(2 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 117 | $174K |
| Other(3 contracts, 2 carriers) | NETWORK HEALTH PLAN | 117 | $780K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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.