| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | PHYSICIANS PLUS INSURANCE CORP | $41K | $3K | $44K | 0.78% |
| BUCHHOLZ PLANNING CORPORATION3 | 7818 BIG SKY DRIVE SUITE 112 MADISON, WI 53719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $3K | $19K | 14.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 7818 BIG SKY DRIVE SUITE 112 MADISON, WI 53719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $949 | $6K | 4.39% |
| BPC CLIENT SERVICES3 Filed as: BPC CLIENT SERVICES LLC | 7818 BIG SKY DRIVE SUITE 112 MADISON, WI 53719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 2.27% |
| BUCHHOLZ PLANNING CORPORATION3 | 7818 BIG SKY DRIVE SUITE 112 MADISON, WI 53719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $3K | $15K | 14.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 7818 BIG SKY DRIVE SUITE 112 MADISON, WI 53719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $783 | $5K | 4.42% |
| BPC CLIENT SERVICES3 Filed as: BPC CLIENT SERVICES LLC | 7818 BIG SKY DRIVE SUITE 112 MADISON, WI 53719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.26% |
| BUCHOLZ PLANNING CORP3 | 7818 BIG SKY DRIVE SUITE 112 MADISON, WI 53719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $3K | $10K | 10.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 7818 BIG SKY DRIVE SUITE 112 MADISON, WI 53719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $700 | $3K | 3.27% |
| BPC CLIENT SERVICES3 Filed as: BPC CLIENT SERVICES LLC | 7818 BIG SKY DRIVE SUITE 112 MADISON, WI 53719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.24% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | WYSSTA INSURANCE COMPANY INC | $6K | — | $6K | 8.04% |
| BUCHHOLZ PLANNING CORPORATION3 | 7818 BIG SKY DRIVE SUITE 112 MADISON, WI 53719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 10.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 7818 BIG SKY DRIVE SUITE 112 MADISON, WI 53719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $960 | $288 | $1K | 3.23% |
| BPC CLIENT SERVICES3 Filed as: BPC CLIENT SERVICES LLC | 7818 BIG SKY DRIVE SUITE 112 MADISON, WI 53719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $870 | $870 | 2.25% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNITY HEALTH PLANS INSURANCE CORPORATION | $3K | — | $3K | 20.52% |
| BUCHOLZ PLANNING CORP3 | 7818 BIG SKY DRIVE SUITE 112 MADISON, WI 53719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $957 | $374 | $1K | 10.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 7818 BIG SKY DRIVE SUITE 112 MADISON, WI 53719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $299 | $90 | $389 | 3.10% |
| BPC CLIENT SERVICES3 Filed as: BPC CLIENT SERVICES LLC | 7818 BIG SKY DRIVE SUITE 112 MADISON, WI 53719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $287 | $287 | 2.29% |
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 | 751 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 17 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 779 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PHYSICIANS PLUS INSURANCE CORP | 607 | $5.7M |
| Vision | WYSSTA INSURANCE COMPANY INC | 565 | $69K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 741 | $39K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 741 | $106K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 741 | $130K |
| Prescription drug | UNITY HEALTH PLANS INSURANCE CORPORATION | 0 | $16K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 741 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 741 | — |
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.
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.