| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL J. FLANAGAN3 | 3033 E MAIN ST. ONALASKA, WI 54650 | KANSAS CITY LIFE INSURANCE COMPANY | $16K | — | $16K | 9.88% |
| MICHAEL J. FLANAGAN3 | 3033 E MAIN ST. ONALASKA, WI 54650 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 7.50% |
| DIANE DETERS | 305 5TH AVE S STE 200 LA CROSSE, WI 54601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 7.50% |
| DIANE DETERS3 | 305 5TH AVE S STE 200 LA CROSSE, WI 54601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 4.41% |
| FLANAGAN FINANCIAL INC3 | 3033 E MAIN ST ONALASKA, WI 54650 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 4.41% |
| DIANE DETERS3 | 305 5TH AVE S STE 200 LA CROSSE, WI 54601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $651 | — | $651 | 4.96% |
| FLANAGAN FINANCIAL INC3 | 3033 E MAIN ST ONALASKA, WI 54650 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $651 | — | $651 | 4.96% |
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 | 409 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 409 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | KANSAS CITY LIFE INSURANCE COMPANY | 299 | $165K |
| Vision | KANSAS CITY LIFE INSURANCE COMPANY | 299 | $165K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 409 | $13K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 142 | $70K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 409 | $51K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 409 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 409 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.