| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL-GREEN BAY | 75 REMITTANCE DRIVE DEPT. #1446 CHICAGO, IL 60675 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $24K | $24K | 2.01% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DR. MADISION, WI 53713 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $13K | $13K | 1.08% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DR. MADISON, WI 53713 | DELTA DENTAL OF WISCONSIN | $5K | — | $5K | 5.59% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $119 | $2K | 6.67% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 3113 W BELTLINE HWY MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $900 | — | $900 | 3.83% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $103 | $2K | 8.44% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 3113 W BELTLINE HWY MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $894 | — | $894 | 4.59% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | WYSSTA INSURANCE COMPANY INC. | $1K | — | $1K | 8.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $670 | $46 | $716 | 6.68% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 3113 W BELTLINE HWY MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $402 | — | $402 | 3.75% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $25 | $25 | 0.57% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $169 | $8 | $177 | 10.86% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 3113 W BELTLINE HWY MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $83 | — | $83 | 5.09% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $74 | $4 | $78 | 10.64% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 3113 W BELTLINE HWY MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $36 | — | $36 | 4.91% |
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 | 292 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 242 | $1.2M |
| Dental | DELTA DENTAL OF WISCONSIN | 163 | $88K |
| Vision | WYSSTA INSURANCE COMPANY INC. | 109 | $14K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 269 | $19K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 19 | $11K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 269 | $23K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 269 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.