| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $43K | $43K | 3.20% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 6.24% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $805 | $6K | 17.34% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE STREET 3RD FL CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $517 | $517 | 1.50% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $780 | $6K | 17.31% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE STREET 3RD FL CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $507 | $507 | 1.50% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $458 | $3K | 17.56% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE STREET 3RD FL CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $269 | $269 | 1.50% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | SUPERIOR VISION PLAN | $1K | — | $1K | 9.89% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $285 | $2K | 23.30% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE STREET 3RD FL CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $130 | $130 | 1.51% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $289 | $156 | $445 | 23.06% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE STREET 3RD FL CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $29 | $29 | 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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 189 | $1.4M |
| Dental | DELTA DENTAL OF MICHIGAN | 185 | $70K |
| Vision | SUPERIOR VISION PLAN | 164 | $14K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 93 | $34K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 86 | $34K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 44 | $18K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 60 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.