| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCCLONE AGENCY INC3 Filed as: THE MCCLONE AGENCY INC. | 150 MAIN STREET, STE 300 MENASHA, WI 54952 | NETWORK HEALTH PLAN | $45K | $7K | $52K | 5.98% |
| MCCLONE AGENCY INC3 Filed as: THE MCCLONE AGENCY INC. | 150 MAIN STREET, STE 300 MENASHA, WI 54952 | DELTA DENTAL OF WISCONSIN | $5K | $0 | $5K | 5.78% |
| MCCLONE AGENCY INC3 Filed as: THE MCCLONE AGENCY INC. | 150 MAIN STREET, STE 300 MENASHA, WI 54952 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 12.36% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR, STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $948 | $948 | 1.92% |
| MCCLONE AGENCY INC3 Filed as: THE MCCLONE AGENCY INC. | 150 MAIN STREET, STE 300 MENASHA, WI 54952 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $487 | $2K | 19.19% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR, STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $216 | $216 | 1.86% |
| MCCLONE AGENCY INC3 Filed as: THE MCCLONE AGENCY INC. | 150 MAIN STREET, STE 300 MENASHA, WI 54952 | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC. | $1K | $0 | $1K | 10.00% |
| MCCLONE AGENCY INC3 Filed as: THE MCCLONE AGENCY INC. | 150 MAIN STREET, STE 300 MENASHA, WI 54952 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $338 | $2K | 19.33% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR, STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $150 | $150 | 1.92% |
| MCCLONE AGENCY INC3 Filed as: THE MCCLONE AGENCY INC. | 150 MAIN STREET, STE 300 MENASHA, WI 54952 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $692 | $300 | $992 | 14.33% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR, STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $133 | $133 | 1.92% |
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 | 174 | 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) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NETWORK HEALTH PLAN | 143 | $873K |
| Dental | DELTA DENTAL OF WISCONSIN | 133 | $90K |
| Vision | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC. | 255 | $11K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 183 | $19K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 183 | $49K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 183 | $8K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 183 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.