| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALSER INSURANCE LLC3 | 7700 FRANCE AVENUE SUITE 420N EDINA, MN 55435 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.83% |
| MIDWEST SELECT INSURANCE GROUP LLC3 Filed as: MIDWEST SELECT INS GROUP LLC | PO BOX 207 MOSINEE, WI 54455 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.29% |
| STEVEN SCULLION3 | 1101 W CLAIREMONT AVENUE SUITE 2E EAU CLAIRE, WI 54701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $374 | — | $374 | 0.76% |
| DANIEL BARNUM3 | 1311 PIEDMONT RD EAU CLAIRE, WI 54703 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $357 | — | $357 | 0.73% |
| MARY KLINER3 | 15237 224TH AVENUE BLOOMER, WI 54724 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $326 | — | $326 | 0.66% |
| HOLLY DOOLEY3 | 1101 W CLAIREMONT AVENUE SUITE 2E EAU CLAIRE, WI 54701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $320 | — | $320 | 0.65% |
| MARLO RACANELLI3 | 3717 FAIRFAX STREET EAU CLAIRE, WI 54701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $222 | — | $222 | 0.45% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVENUE SUITE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $211 | — | $211 | 0.43% |
| ERIC W WENGER3 | 17909 HIGHWAY 7 MINNETONKA, MN 55345 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $102 | — | $102 | 0.21% |
| DONALD FINLEY3 | PO BOX 207 MOSINEE, WI 54455 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $79 | — | $79 | 0.16% |
| NICHOLAS KIEKOW3 | N53W33177 LINDEN CIRCLE EAST NASHOTAH, WI 53058 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29 | — | $29 | 0.06% |
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 | 124 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 124 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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.
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.