| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES, INC. | N14 W23900 STONE RIDGE DR WAUKESHA, WI 53188 | BLUE CROSS BLUE SHIELD OF FLORIDA | $41K | — | $41K | 3.34% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES, INC. | N14 W23900 STONE RIDGE DR. WAUKESHA, WI 53188 | HEALTH OPTIONS, INC | $39K | — | $39K | 3.83% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES | N14 W23900 STONE RIDGE DRIVE WAUKESHA, WI 53188 | STARMOUNT LIFE INSURANCE COMPANY | $12K | $2K | $14K | 13.09% |
| DENNIS E TRAYWICK3 Filed as: DENNIS TRAYWICK | 1325 BLACK ROAD PROSPECT, TN 38477 | STARMOUNT LIFE INSURANCE COMPANY | — | $6K | $6K | 5.48% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES | N14 W23900 STONE RIDGE DRIVE WAUKESHA, WI 53188 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $1K | $6K | 12.91% |
| DENNIS E TRAYWICK3 Filed as: DENNIS TRAYWICK | 1325 BLACK ROAD PROSPECT, TN 38477 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 5.42% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES | N14 W23900 STONE RIDGE DRIVE WAUKESHA, WI 53188 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $627 | $9K | 29.10% |
| DENNIS E TRAYWICK3 Filed as: DENNIS TRAYWICK | 1325 BLACK ROAD PROSPECT, TN 38477 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 5.41% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES | N14 W23900 STONE RIDGE DRIVE WAUKESHA, WI 53188 | UNUM INSURANCE COMPANY | $1K | $209 | $1K | 18.10% |
| DENNIS E TRAYWICK3 Filed as: DENNIS TRAYWICK | 1325 BLACK RD. PROSPECT, TN 38477 | UNUM INSURANCE COMPANY | $605 | — | $605 | 8.53% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC - MEMPHIS | 500 WEST MONROE STE 3400 CHICAGO, IL 60661 | UNUM INSURANCE COMPANY | $46 | — | $46 | 0.65% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES | N14 W23900 STONE RIDGE DR. WAUKESHA, WI 53188 | UNUM INSURANCE COMPANY | $845 | $182 | $1K | 19.17% |
| DENNIS E TRAYWICK3 Filed as: DENNIS TRAYWICK | 1325 BLACK RD. PROSPECT, TN 38477 | UNUM INSURANCE COMPANY | $579 | — | $579 | 10.81% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC - MEMPHIS | 500 WEST MONROE STE 3400 CHICAGO, IL 60661 | UNUM INSURANCE COMPANY | $13 | — | $13 | 0.24% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES | N14 W23900 STONE RIDGE DRIVE WAUKESHA, WI 53188 | UNUM INSURANCE COMPANY | $737 | $140 | $877 | 16.42% |
| DENNIS E TRAYWICK3 Filed as: DENNIS TRAYWICK | 1325 BLACK RD. PROSPECT, TN 38477 | UNUM INSURANCE COMPANY | $425 | — | $425 | 7.96% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC - MEMPHIS | 500 WEST MONROE STE 3400 CHICAGO, IL 60661 | UNUM INSURANCE COMPANY | $64 | — | $64 | 1.20% |
| DENNIS E TRAYWICK3 Filed as: DENNIS TRAYWICK | 1325 BLACK ROAD PROSPECT, TN 38477 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $250 | $250 | 5.50% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES | N14 W23900 STONE RIDGE DRIVE WAUKESHA, WI 53188 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $97 | $97 | 2.13% |
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 | 229 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 95 | $2.2M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 157 | $110K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 157 | $110K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 225 | $35K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 36 | $49K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 36 | $49K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 95 | $2.2M |
| Other(4 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 225 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.