| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 1205 CEDAR RD KRONENWETTER, WI 54455 | ASPIRUS HEALTH PLAN | $16K | — | $16K | 3.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 1205 CEDAR RD KRONENWETTER, WI 54455 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD FL 14 CHICAGO, IL 60604 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 2.85% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 1205 CEDAR RD MOSINEE, WI 54455 | WYSSTA INSURANCE COMPANY INC | $348 | — | $348 | 8.07% |
| COMPASS BENEFITS LLC3 | 1205 CEDAR RD MOSINEE, WI 54455 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $258 | — | $258 | 35.64% |
| COMPASS BENEFITS LLC3 | 1205 CEDAR RD MOSINEE, WI 54455 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $107 | — | $107 | 60.11% |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ASPIRUS HEALTH PLAN | 86 | $461K |
| Vision | WYSSTA INSURANCE COMPANY INC | 43 | $4K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 104 | $44K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 104 | $44K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 104 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.