| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERTSON RYAN & ASSOCIATES3 | 330 E KILBOURN AVE STE 850 MILWAUKEE, WI 53202 | UNITED HEALTHCARE INSURANCE COMPANY | — | $70K | $70K | 4.17% |
| LOCKTON COMPANIES, LLC3 | 1200 SW 145TH AVE STE 140A PEMBROKE PINES, FL 33027 | UNITED HEALTHCARE INSURANCE COMPANY | — | -$44 | -$44 | -0.00% |
| ROBERTSON RYAN & ASSOCIATES3 Filed as: ROBERTSON RYAN & ASSOCIATES INC | 330 E KILBOURN AVE STE 850 MILWAUKEE, WI 53202 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $9K | $9K | 8.00% |
| ROBERTSON RYAN & ASSOCIATES3 Filed as: ROBERTSON RYAN & ASSOCIATES INC | 330 E KILBOURN AVE STE 850 MILWAUKEE, WI 53202 | DELTA DENTAL OF WISCONSIN | $6K | — | $6K | 10.91% |
| ROBERTSON RYAN & ASSOCIATES3 Filed as: ROBERTSON RYAN & ASSOCIATES INC | 330 E KILBOURN AVE STE 850 MILWAUKEE, WI 53202 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $13 | $2K | 9.34% |
| LOCKTON COMPANIES, LLC3 | 1200 SW 145TH AVE STE 140A PEMBROKE PINES, FL 33027 | METROPOLITAN LIFE INSURANCE COMPANY | — | $294 | $294 | 1.63% |
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. |
| Total participants (= "Plan participants" tile) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 290 | $1.7M |
| Dental | DELTA DENTAL OF WISCONSIN | 155 | $53K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 244 | $18K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 23 | $115K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 23 | $115K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 23 | $115K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 290 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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.
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.