| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF WISCONSIN | $103K | $5K | $108K | 3.52% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | BLUE CROSS BLUE SHIELD OF WISCONSIN | $21K | — | $21K | 0.67% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 101 PARK AVE FL 12 NEW YORK, NY 10178 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $37K | $40K | 2.35% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $32K | — | $32K | 18.06% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $5K | $20K | 11.43% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 101 PARK AVENUE 12TH FLOOR NEW YORK, NY 10178 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 7.45% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE ATLANTA, GA 30339 | DELTA DENTAL OF WISCONSIN | $5K | — | $5K | 5.16% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 101 PARK AVE 14TH FL NEW YORK, NY 10178 | DELTA DENTAL OF WISCONSIN | $3K | — | $3K | 2.83% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE ATLANTA, GA 30339 | WYSSTA INSURANCE COMPANY INC | $1K | — | $1K | 5.19% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 101 PARK AVE 14TH FL NEW YORK, NY 10178 | WYSSTA INSURANCE COMPANY INC | $705 | — | $705 | 2.75% |
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 | 933 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 935 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF WISCONSIN | 1,223 | $4.8M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,223 | $1.8M |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,223 | $1.7M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 898 | $178K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 898 | $178K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 898 | $178K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 898 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,223 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.