| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES LLC | PO BOX 510187 NEW BERLIN, WI 53151 | UNITEDHEALTHCARE INSURANCE COMPANY | $24K | — | $24K | 2.69% |
| MILWAUKEE BENEFITS LLC3 | 411 E WISCONSIN AVE STE 150 MILWAUKEE, WI 53202 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | — | $14K | 1.55% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES LLC | PO BOX 51087 NEW BERLIN, WI 53151 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $228 | $228 | 0.03% |
| THE RAUSER AGENCY INC3 | 10938 N PORT WASHINGTON RD MEQUON, WI 53092 | UNITEDHEALTHCARE INSURANCE COMPANY | $84 | — | $84 | 0.01% |
| THE RAUSER AGENCY INC3 | 10938 NORTH PORT WASHINGTON ROAD MEQUON, WI 53092 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.13% |
| MILWAUKEE BENEFITS LLC3 | 411 EAST WISCONSIN AVENUE # 150 MILWAUKEE, WI 53202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $493 | — | $493 | 0.87% |
| THE RAUSER AGENCY INC3 | 10938 NORTH PORT WASHINGTON ROAD MEQUON, WI 53092 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.43% |
| MILWAUKEE BENEFITS LLC3 | 411 EAST WISCONSIN AVENUE # 150 MILWAUKEE, WA 53202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 5.12% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES LLC | PO BOX 510187 NEW BERLIN, WI 53151 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $316 | — | $316 | 1.45% |
| THE RAUSER AGENCY INC3 | 10938 NORTH PORT WASHINGTON ROAD MEQUON, WI 53092 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 8.57% |
| MILWAUKEE BENEFITS LLC3 | 411 EAST WISCONSIN AVENUE # 150 MILWAUKEE, WI 53202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $727 | — | $727 | 5.10% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES LLC | PO BOX 510187 NEW BERLIN, WA 53151 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $190 | — | $190 | 1.33% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES LLC | PO BOX 510187 NEW BERLIN, WI 53151 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| THE RAUSER AGENCY INC3 | 10938 N PORT WASHINGTON RD MEQUON, WI 53092 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $650 | — | $650 | 8.76% |
| MILWAUKEE BENEFITS LLC3 | 411 E WISCONSIN AVE # 150 MILWAUKEE, WI 53202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $92 | — | $92 | 1.24% |
| HNT RISK SERVICES LLC3 | PO BOX 510187 NEW BERLIN, WI 53151 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 14.99% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES, LLC | PO BOX 510187 NEW BERLIN, WI 53151 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $618 | — | $618 | 14.99% |
| THE RAUSER AGENCY INC3 | 10938 N PORT WASHINGTON RD MEQUON, WI 53092 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $348 | — | $348 | 8.61% |
| MILWAUKEE BENEFITS LLC3 | 411 E WISCONSIN AVE # 150 MILWAUKEE, WI 53202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $208 | — | $208 | 5.15% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES LLC | PO BOX 510187 NEW BERLIN, WI 53151 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $50 | — | $50 | 1.24% |
| THE RAUSER AGENCY INC3 | 10938 NORTH PORT WASHINGTON ROAD MEQUON, WI 53092 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $326 | — | $326 | 11.43% |
| MILWAUKEE BENEFITS LLC3 | 411 EAST WISCONSIN AVENUE # 150 MILWAUKEE, WI 53202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $33 | — | $33 | 1.16% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES,LLC | PO BOX 510187 NEW BERLIN, WI 53151 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $410 | — | $410 | 15.00% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES LLC | PO BOX 510187 NEW BERLIN, WI 53151 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $310 | — | $310 | 14.99% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES, LLC | PO BOX 510187 NEW BERLIN, WI 53151 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $103 | — | $103 | 15.01% |
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 | 224 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 224 | $894K |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 224 | $951K |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 224 | $902K |
| Life insurance(5 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 224 | $904K |
| Short-term disability(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 44 | $36K |
| Long-term disability(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 154 | $24K |
| Other(6 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 224 | $908K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.
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.