| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J A COUNTER & ASSOCIATES INC3 Filed as: J A COUNTER & ASSOCIATES INC. | 1477 S KNOWLES AVE #200 P O BOX 387 NEW RICHMOND, WI 54017 | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | $18K | — | $18K | 6.01% |
| J A COUNTER & ASSOCIATES INC3 Filed as: J A COUNTER & ASSOCIATES INC. | 1477 S KNOWLES AVE #200 P O BOX 387 NEW RICHMOND, WI 54017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $401 | $8K | 15.84% |
| J A COUNTER & ASSOCIATES INC3 Filed as: J A COUNTER ASSOCIATES INC. | 1477 S KNOWLES AVE #200 P O BOX 387 NEW RICHMOND, WI 54017 | WYSSTA | $592 | — | $592 | 8.74% |
| J A COUNTER & ASSOCIATES INC3 Filed as: J A COUNTER & ASSOCIATES INC. | 1477 S KNOWLES AVE #200 P O BOX 387 NEW RICHMOND, WI 54017 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $533 | — | $533 | 9.42% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 6830 COCHRAN ROAD SOLON, OH 44139 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | — | $21 | $21 | 0.37% |
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 | 149 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | 125 | $302K |
| Dental | WYSSTA | 51 | $7K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 149 | $50K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 149 | $50K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 149 | $50K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 149 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.