| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CYGANIAK PLANNING INC3 | 3515 N 124TH ST BROOKFIELD, WI 530052409 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $66K | $76K | 3.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS INC | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 532260000 | DELTA DENTAL OF WISCONSIN | $10K | — | $10K | 6.96% |
| CYGANIAK PLANNING INC3 | 3515 N 124TH ST STE 100 BROOKFIELD, WI 53005 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $253 | $3K | 9.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 554023212 | PRINCIPAL LIFE INSURANCE COMPANY | $934 | — | $934 | 2.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DIVERSIFIED BENEFIT SERVICES INC CLAIMS PROCESSING | Claims processing; Contract Administrator Service code 12 | 625 WALNUT RIDGE DR #190 HARTLAND, WI 53029 | $16K |
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 | 261 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 407 | $2.3M |
| Dental | DELTA DENTAL OF WISCONSIN | 344 | $142K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 559 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 559 | — |
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."
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.