| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE RAUSER AGENCY INC3 | 10938 NORTH PORT WASHINGTON ROAD MEQUON, WI 53092 | UNITEDHEALTHCARE INSURANCE COMPANY | $27K | — | $27K | 4.48% |
| THE RAUSER AGENCY INC3 | 10938 NORTH PORT WASHINGTON ROAD MEQUON, WI 53092 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 7.00% |
| THE RAUSER AGENCY INC3 | 10938 NORTH PORT WASHINGTON ROAD MEQUON, WI 53092 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| THE RAUSER AGENCY INC3 | 10938 NORTH PORT WASHINGTON ROAD MEQUON, WI 53092 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| THE RAUSER AGENCY INC3 | 10938 NORTH PORT WASHINGTON ROAD MEQUON, WI 53092 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $726 | — | $726 | 10.00% |
| THE RAUSER AGENCY INC3 | 10938 NORTH PORT WASHINGTON ROAD MEQUON, WI 53092 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $509 | — | $509 | 14.05% |
| THE RAUSER AGENCY INC3 | 10938 NORTH PORT WASHINGTON ROAD MEQUON, WI 53092 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $393 | — | $393 | 14.99% |
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 | 162 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 181 | $598K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 117 | $69K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 75 | $7K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 162 | $6K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 36 | $18K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 162 | $12K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 162 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.