| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R & B INSURANCE SERVICES LLC3 Filed as: R&B INSURANCE SERVICES | N 14 W 23900 STONE RIDGE DRIVE WAUKESHA, WI 53188 | NETWORK HEALTH PLAN | $48K | $5K | $52K | 4.74% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES INC | N14 W23900 STONE RIDGE DR. WAUKESHA, WI 53188 | DELTA DENTAL OF WISCONSIN | $7K | — | $7K | 8.95% |
| EISSENS & HAASL FINANCIAL GROUP LLC3 Filed as: EISSENS & HAASL FINANCIAL GROUP | 1028 S TAYLOR DRIVE SHEBOYGAN, WI 53081 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | — | $12K | 14.60% |
| VELTUS FINANCIAL SERVICES LLC3 Filed as: VELTUS FINANCIAL SERVICES, LLC | 7033 WASHINGTON AVE 101 RACINE, WI 53406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 12.40% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $491 | $4K | 5.62% |
| SHAWN MANGAN3 | 1028 S. TAYLOR DRIVE SHEBOYGAN, WI 53081 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 3.00% |
| EISSENS & HAASL FINANCIAL GROUP LLC3 Filed as: EISSENS & HAASL FINANCIAL GROUP | 1028 S TAYLOR DRIVE SHEBOYGAN, WI 53081 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 7.45% |
| VELTUS FINANCIAL SERVICES LLC3 Filed as: VELTUS FINANCIAL SERVICES, LLC | 7033 WASHINGTON AVE 101 RACINE, WI 53406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 6.05% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $333 | $2K | 5.79% |
| SHAWN MANGAN3 | 1028 S. TAYLOR DRIVE SHEBOYGAN, WI 53081 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $634 | — | $634 | 1.50% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES, INC. | N 14W 23900 STONE RIDGE DRIVE WAUKESHA, WI 53188 | UNUM INSURANCE COMPANY | $3K | $917 | $4K | 17.29% |
| SCZEPANIAK JASON3 | 1161 HERRITAGE CT SUN PRAIRE, WI 53590 | UNUM INSURANCE COMPANY | $3K | — | $3K | 13.65% |
| R & B INSURANCE SERVICES LLC3 Filed as: R&B INSURANCE SERVICES | 6620 MONEY STREET DUBLIN, OH 43017 | UNUM INSURANCE COMPANY | $3K | $788 | $4K | 17.37% |
| SCZEPANIAK JASON3 | 1161 HERRITAGE CT SUN PRAIRIE, WI 53188 | UNUM INSURANCE COMPANY | $3K | — | $3K | 13.73% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES, INC. | N14 W23900 STONE RIDGE DR. WAUKESHA, WI 53188 | WYSSTA INSURANCE COMPANY INC. | $1K | — | $1K | 8.00% |
| EISSENS & HAASL FINANCIAL GROUP LLC3 Filed as: EISSENS & HAASL FINANCIAL GROUP | 1028 S TAYLOR DRIVE SHEBOYGAN, WI 53081 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 9.80% |
| VELTUS FINANCIAL SERVICES LLC3 Filed as: VELTUS FINANCIAL SERVICES, LLC | 7033 WASHINGTON AVE 101 RACINE, WI 53406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $773 | — | $773 | 6.15% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $629 | $114 | $743 | 5.91% |
| SHAWN MANGAN3 | 1028 S. TAYLOR DRIVE SHEBOYGAN, WI 53081 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $189 | — | $189 | 1.50% |
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 | 244 | 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) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NETWORK HEALTH PLAN | 167 | $1.1M |
| Dental | DELTA DENTAL OF WISCONSIN | 166 | $84K |
| Vision | WYSSTA INSURANCE COMPANY INC. | 197 | $16K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 244 | $13K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 135 | $79K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 244 | $42K |
| Other(3 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 244 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.
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.