| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC, | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $38K | $38K | 1.61% |
| HAUSMANN GROUP INC3 Filed as: HAUSMANN GROUP, INC. | 740 REGENT ST - STE 400 MADISON, WI 53715 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $14K | $14K | 0.61% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | DEAN HEALTH PLAN INC | $16K | — | $16K | 1.59% |
| HAUSMANN GROUP INC3 Filed as: HAUSMANN GROUP INC. | 740 REGENT STREET - #400 MADISON, WI 53715 | DEAN HEALTH PLAN INC | $8K | — | $8K | 0.80% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 8.22% |
| HAUSMANN GROUP INC3 Filed as: HAUSMANN GROUP INC. | 740 REGENT ST - STE 400 MADISON, WI 53715 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $794 | — | $794 | 0.90% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 10.14% |
| HAUSMANN GROUP INC3 | 740 REGENT STREET-STE 400 MADISON, WI 53715 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $740 | — | $740 | 1.29% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | WYSSTA INSURANCE COMPANY INC | $2K | — | $2K | 5.94% |
| HAUSMANN GROUP INC3 Filed as: HAUSMANN GROUP | PO BOX 259408 MADISON, WI 53715 | WYSSTA INSURANCE COMPANY INC | $788 | — | $788 | 2.15% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLAN DRIVE MADISON, WI 53713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 12.80% |
| HAUSMANN GROUP INC3 Filed as: HAUSMANN GROUP INC. | 740 REGENT ST - SUITE 400 MADISON, WI 55315 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.56% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLAN DRIVE MADISON, WI 53713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 9.85% |
| HAUSMANN GROUP INC3 Filed as: HAUSMANN GROUP INC. | 740 REGENT ST - STE 400 MADISON, WI 53715 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.13% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $895 | $3K | 12.66% |
| HAUSMANN GROUP INC3 | 740 REGENT ST - SUITE 400 MADISON, WI 53715 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $910 | — | $910 | 3.51% |
| WATCHTOWER BENEFITS, LLC5 | 227 W MONROE ST - STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $389 | $389 | 1.50% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCS SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $178 | $2K | 14.77% |
| HAUSMANN GROUP INC3 Filed as: HAUSMANN GROUP INC. | 740 REGENT ST. - STE 400 MADISON, WI 53715 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $820 | — | $820 | 6.67% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $156 | $2K | 13.49% |
| HAUSMANN GROUP INC3 Filed as: HAUSMANN GROUP INC. | 740 REGENT ST - STE 400 MADISON, WI 53715 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $921 | — | $921 | 7.83% |
| WATCHTOWER BENEFITS, LLC5 Filed as: WATCHTOWER BENEFITS LLC | 227 W MONROE ST. -STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $176 | $176 | 1.50% |
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 | 473 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 479 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 430 | $3.4M |
| Vision | WYSSTA INSURANCE COMPANY INC | 282 | $37K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 473 | $68K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 473 | $88K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 473 | $58K |
| Other(6 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 509 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 509 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.