| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRETCHEN FLUEKIGER3 | M3 INSURANCE SOLUTIONS, INC. 2306 BEDNER RD. MADISON, WI 53719 | DEAN HEALTH PLAN INC | $20K | — | $20K | 1.54% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $3K | $11K | 12.41% |
| WATCHTOWER BENEFITS, LLC5 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.50% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE SER | 800 MAIN ST DUBUQUE, IA 52001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $442 | — | $442 | 0.49% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | DELTA DENTAL OF WISCONSIN | $4K | — | $4K | 8.40% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | WYSSTA INSURANCE COMPANY INC | $591 | — | $591 | 8.67% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DEAN HEALTH PLAN INC | 142 | $1.3M |
| Dental | DELTA DENTAL OF WISCONSIN | 55 | $53K |
| Vision | WYSSTA INSURANCE COMPANY INC | 68 | $7K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $90K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $90K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.