| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHNSON INSURANCE SERVICES LLC3 Filed as: JOHNSON INSURANCE, INC | 1111 COMMERCE DRIVE RACINE, WI 53406 | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | $8K | $5K | $13K | 1.37% |
| JOHNSON INSURANCE SERVICES LLC3 Filed as: JOHNSON INSURANCE, INC | 1111 COMMERCE DRIVE RACINE, WI 53406 | BLUE CROSS BLUE SHIELD OF WISCONSIN | $262 | $182 | $444 | 1.37% |
| JOHNSON INSURANCE SERVICES LLC3 Filed as: JOHNSON INSURANCE, INC | 1111 COMMERCE DRIVE RACINE, WI 53406 | ANTHEM LIFE INSURANCE COMPANY | $195 | $136 | $331 | 1.37% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE E, SUITE 1500 CLEVELAND, OH 44114 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $372 | $3 | $375 | 1.77% |
| NORMA JO SMITH3 | 3617 HUNTERS GLEN ROAD ABILENE, TX 79605 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $184 | $0 | $184 | 0.87% |
| USI INSURANCE SERVICES LLC3 | 6131 RIVER PARK ROAD BELMONT, NC 28012 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $176 | $0 | $176 | 0.83% |
| JOHNSON INSURANCE SERVICES LLC3 Filed as: JOHNSON INSURANCE, INC | 1103 HUNTER DRIVE MOUNT PLEASANT, WI 53406 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $61 | $0 | $61 | 0.29% |
| USI INSURANCE SERVICES LLC3 | 227 WEST TRADE STREET, SUITE 1500 CHARLOTTE, NC 28202 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $41 | $41 | 0.19% |
| USI INSURANCE SERVICES LLC3 | PO BOX 601478 CHARLOTTE, NC 28260 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 0.10% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND VARIOUS AGENTS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $2 | $11 | 0.05% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE E, SUITE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $156 | $0 | $156 | 7.59% |
| JOHNSON INSURANCE SERVICES LLC3 Filed as: JOHNSON INSURANCE, INC | 1103 HUNTER DRIVE MOUNT PLEASANT, WI 53406 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $102 | $0 | $102 | 4.97% |
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 | 157 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | 81 | $948K |
| Dental | BLUE CROSS BLUE SHIELD OF WISCONSIN | 96 | $32K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 151 | $45K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 58 | $21K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 151 | $24K |
| Prescription drug | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | 81 | $948K |
| Other(3 contracts, 3 carriers) | ANTHEM LIFE INSURANCE COMPANY | 151 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.