| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 W MADISON ST FL 32 CHICAGO, IL 60661 | HARTFORD LIFE AND ACCIDENT | $11K | — | $11K | 3.27% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP OF WIS LLC | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 1.69% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | HARTFORD LIFE AND ACCIDENT | — | $5K | $5K | 1.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 100 RIALTO PLACE STE 900 MELBOURNE, FL 32901 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 0.57% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WA 532260000 | WYSSTA INSURANCE COMPANY INC | $2K | — | $2K | 3.70% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICE INC | 500 W MADISON ST 32ND FL CHICAGO, IL 606610000 | WYSSTA INSURANCE COMPANY INC | $2K | — | $2K | 3.70% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 TPA | Contract Administrator Service code 13 | — | $25K |
| NFP CORPORATE SERVICES BROKER - M. SCHNEIDER | Insurance agents and brokers Service code 22 | 500 W MADISON ST32MD FL CHICAGO, IL 606610000 | $63 |
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 | 672 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 694 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | 1,076 | $5.7M |
| Vision | WYSSTA INSURANCE COMPANY INC | 637 | $47K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 938 | $349K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 938 | $349K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 938 | $349K |
| Other | HARTFORD LIFE AND ACCIDENT | 938 | $349K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,076 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.