| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | PO BOX 8950 MADISON, WI 53708 | HCC LIFE INSURANCE COMPANY | $2K | — | $2K | 0.61% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | HARTFORD LIFE AND ACCIDENT | $5K | $126 | $5K | 11.19% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS, LLC | 2000 CHAPEL VIEW BOULEVARD SUITE 240 CRANSTON, RI 02920 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 2.70% |
| WATCHTOWER BENEFITS, LLC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | HARTFORD LIFE AND ACCIDENT | — | $383 | $383 | 0.86% |
| KELSEY STACKS3 | 1425 DISCOVERY PARKWAY WAUWATOSA, WI 53226 | DELTA DENTAL OF WISCONSIN | $329 | — | $329 | 1.04% |
| KELSEY STACKS3 | 1425 DISCOVERY PARKWAY WAUWATOSA, WI 53226 | DELTA DENTAL OF WISCONSIN | $282 | — | $282 | 1.10% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $41 | — | $41 | 0.43% |
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 | 92 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF WISCONSIN | 40 | $57K |
| Vision | VISION SERVICE PLAN | 91 | $10K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 102 | $44K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 102 | $44K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 85 | $298K |
| Other | HARTFORD LIFE AND ACCIDENT | 102 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.