| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 510925 NEW BERLIN, WI 531510925 | HUMANA WISCONSIN HEALTH ORGANIZATION INSURANCE CORPORATION | $19K | $500 | $19K | 2.34% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 510925 NEW BERLIN, WI 531510925 | HUMANA INSURANCE COMPANY | $3K | $122 | $3K | 5.86% |
| SPECTRUM BENEFIT SOLUTIONS3 Filed as: SPECTRUM BENEFIT SOLUTIONS OF CENTR | 132 W STATE STREET MEFORD, WI 54451 | THE EPIC LIFE INSURANCE COMPANY | $3K | — | $3K | 8.54% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 510925 NEW BERLIN, WI 531510925 | HUMANA INSURANCE COMPANY | $677 | $351 | $1K | 14.92% |
| ALICE J KIEREN3 | 7702 N PORT WASHINGTON ROAD APT 106 MILWAUKEE, WI 53217 | AFLAC | $58 | — | $58 | 5.07% |
| CHRISTINE LOGSLETT3 | 8318 ANNA AVE WIND LAKE, WI 53185 | AFLAC | $40 | — | $40 | 3.50% |
| HOLLY A MARITA3 | 4623 HARDING ROAD KENOSHA, WI 53142 | AFLAC | $12 | — | $12 | 1.05% |
| KENNETH J HOFFMAN3 | N65W13544 COBBLESTONE CT MENOMONEE FALLS, WI 53051 | AFLAC | $11 | — | $11 | 0.96% |
| JASON SCZEPANIAK3 | 1161 HERITAGE CT SUN PRAIRIE, WI 53590 | AFLAC | $5 | — | $5 | 0.44% |
| GLEN T SCHWEIKERT3 | 2211 HIGHLAND SPRINGS PL LOUISVILLE, KY 40245 | AFLAC | $4 | — | $4 | 0.35% |
| WILLIAM F MURRAY III3 | 1298 SAINT PATRICK WAY SUN PRAIRIE, WI 53590 | AFLAC | $1 | — | $1 | 0.09% |
| CHRISTOPHER P DOOLEY3 | 2903 NORTHWINDS DRIVE EAU CLAIRE, WI 54701 | AFLAC | $1 | — | $1 | 0.09% |
| ROSS C NELSON3 | 440 REGENCY PARKWAY DR STE 234 OMAHA, NE 68114 | AFLAC | $1 | — | $1 | 0.09% |
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 | 118 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA WISCONSIN HEALTH ORGANIZATION INSURANCE CORPORATION | 78 | $812K |
| Dental | HUMANA INSURANCE COMPANY | 78 | $48K |
| Vision | HUMANA INSURANCE COMPANY | 62 | $7K |
| Life insurance | THE EPIC LIFE INSURANCE COMPANY | 118 | $36K |
| Short-term disability | THE EPIC LIFE INSURANCE COMPANY | 118 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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.