| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ZIZZL,LLC3 | N67W29393 RICHTER RD HARTLAND, WI 53029 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $43K | $43K | 3.80% |
| ZIZZL,LLC3 | N67W29393 RICHTER RD HARTLAND, WI 53029 | DELTA DENTAL OF WISCONSIN | $3K | $0 | $3K | 3.14% |
| ZIZZL,LLC3 | N67W29393 RICHTER RD HARTLAND, WI 53029 | UNUM LIFE INSURANCE OF AMERICA | $4K | $0 | $4K | 14.87% |
| ZIZZL,LLC3 | N67W29393 RICHTER RD HARTLAND, WI 53029 | WYSSTA INSURANCE COMPANY INC | $829 | — | $829 | 8.38% |
| ZIZZL,LLC3 | N67W29393 RICHTER RD HARTLAND, WI 53029 | UNUM LIFE INSURANCE OF AMERICA | $1K | $0 | $1K | 13.68% |
| ZIZZL,LLC3 | N67W29393 RICHTER RD HARTLAND, WI 53029 | UNUM LIFE INSURANCE OF AMERICA | $712 | $0 | $712 | 13.77% |
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 | 122 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 212 | $1.1M |
| Dental | DELTA DENTAL OF WISCONSIN | 107 | $83K |
| Vision | WYSSTA INSURANCE COMPANY INC | 72 | $10K |
| Life insurance | UNUM LIFE INSURANCE OF AMERICA | 117 | $25K |
| Long-term disability | UNUM LIFE INSURANCE OF AMERICA | 117 | $25K |
| Other(3 contracts) | UNUM LIFE INSURANCE OF AMERICA | 117 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.
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.