| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R & B INSURANCE SERVICES LLC3 Filed as: R&B INSURANCE SERVICES | N 14 W23900 STONE RIDGE DR WAUKESHA, WI 53188 | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | $43K | — | $43K | 4.42% |
| VELTUS FINANCIAL SERVICES LLC3 Filed as: VELTUS FINANCIAL SERVICES, LLC | 7033 WASHINGTON AVE 101 RACINE, WI 53406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| MICHAEL DAVID RUZEK3 | 515 SCOTT DRIVE GREEN BAY, WI 54303 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 12.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $601 | $3K | 6.22% |
| SHAWN MANGAN3 | 1028 S. TAYLOR DRIVE SHEBOYGAN, WI 53081 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 3.00% |
| VELTUS FINANCIAL SERVICES LLC3 Filed as: VELTUS FINANCIAL SERVICES, LLC | 7033 WASHINGTON AVE 101 RACINE, WI 53406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 7.50% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $379 | $2K | 6.14% |
| RUZEK, MICHAEL DAVID3 | 515 SCOTT DRIVE GREEN BAY, WI 54303 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 6.00% |
| SHAWN MANGAN3 | 1028 S. TAYLOR DRIVE SHEBOYGAN, WI 53081 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $500 | — | $500 | 1.50% |
| VELTUS FINANCIAL SERVICES LLC3 Filed as: VELTUS FINANCIAL SERVICES, LLC | 7033 WASHINGTON AVE 101 RACINE, WI 53406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $854 | — | $854 | 7.49% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $570 | $121 | $691 | 6.06% |
| MICHAEL DAVID RUZEK3 | 515 SCOTT DRIVE GREEN BOY, WI 54303 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $684 | — | $684 | 6.00% |
| SHAWN MANGAN3 | 1028 S. TAYLOR DRIVE SHEBOYGAN, WI 53081 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $170 | — | $170 | 1.49% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES INC | N14 W23900 STONE RIDGE DR. WAUKESHA, WI 53188 | DELTA DENTAL OF WISCONSIN | $0 | — | $0 | — |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES, INC. | N14 W23900 STONE RIDGE DR. WAUKESHA, WI 53188 | WYSSTA INSURANCE COMPANY INC. | $0 | — | $0 | — |
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 | 213 | 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) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | 151 | $965K |
| Dental | DELTA DENTAL OF WISCONSIN | 0 | $0 |
| Vision | WYSSTA INSURANCE COMPANY INC. | 0 | $0 |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 231 | $11K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 86 | $49K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 218 | $33K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 231 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.
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.