| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2725 S. MOORLAND ROAD PO BOX 510925 NEW BERLIN, WI 53151 | WISCONSIN PHYSICIANS SERVICE INSURANCE CORPORATION | $26K | — | $26K | 4.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2725 S. MOORLAND ROAD PO BOX 510925 NEW BERLIN, WI 53151 | DELTA DENTAL OF WISCONSIN | $5K | — | $5K | 6.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2725 S. MOORLAND ROAD PO BOX 510925 NEW BERLIN, WI 53151 | STANDARD INSURANCE COMPANY | $6K | $454 | $7K | 17.28% |
| PFLUG INSURANCE AGENCY3 Filed as: PFLUG INSURANCE AGENCY, INC. | 7400 1ST AVENUE KENOSHA, WI 53143 | STANDARD INSURANCE COMPANY | $205 | — | $205 | 0.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2725 S. MOORLAND ROAD PO BOX 510925 NEW BERLIN, WI 53151 | WYSSTA INSURANCE COMPANY INC. | $824 | — | $824 | 8.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2725 S. MOORLAND ROAD PO BOX 510925 NEW BERLIN, WI 53151 | STANDARD INSURANCE COMPANY | $2K | $83 | $2K | 34.67% |
| PFLUG INSURANCE AGENCY3 Filed as: PFLUG INSURANCE AGENCY, INC. | 7400 1ST AVENUE KENOSHA, WI 53143 | STANDARD INSURANCE COMPANY | $61 | — | $61 | 0.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2725 S. MOORLAND ROAD PO BOX 510925 NEW BERLIN, WI 53151 | STANDARD INSURANCE COMPANY | $1K | $53 | $1K | 33.02% |
| PFLUG INSURANCE AGENCY3 Filed as: PFLUG INSURANCE AGENCY, INC. | 7400 1ST AVENUE KENOSHA, WI 53143 | STANDARD INSURANCE COMPANY | $43 | — | $43 | 1.07% |
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 | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WISCONSIN PHYSICIANS SERVICE INSURANCE CORPORATION | 104 | $635K |
| Dental | DELTA DENTAL OF WISCONSIN | 109 | $73K |
| Vision | WYSSTA INSURANCE COMPANY INC. | 111 | $10K |
| Life insurance | STANDARD INSURANCE COMPANY | 126 | $4K |
| Short-term disability | STANDARD INSURANCE COMPANY | 126 | $40K |
| Long-term disability | STANDARD INSURANCE COMPANY | 126 | $7K |
| Prescription drug | WISCONSIN PHYSICIANS SERVICE INSURANCE CORPORATION | 104 | $635K |
| Other | STANDARD INSURANCE COMPANY | 126 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.
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.