| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DR. MADISION, WI 53713 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $25K | $25K | 1.78% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL GREEN BAY | 75 REMITTANCE DRIVE DEPT. #1446 CHICAGO, IL 60675 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $14K | $14K | 1.03% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE DEPT. 1446 CHICAGO, IL 60675 | DELTA DENTAL OF WISCONSIN | $6K | — | $6K | 6.38% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 3113 W BELTLINE HWY MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 6.64% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $921 | — | $921 | 3.36% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 3113 W BELTLINE HWY MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 8.35% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $883 | — | $883 | 4.15% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | WYSSTA INSURANCE COMPANY INC. | $592 | — | $592 | 4.00% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DR. MADISION, WI 53713 | WYSSTA INSURANCE COMPANY INC. | $591 | — | $591 | 4.00% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 3113 W BELTLINE HWY MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $786 | — | $786 | 6.64% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $398 | — | $398 | 3.36% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 3113 W BELTLINE HWY MADISION, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $169 | — | $169 | 9.95% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $86 | — | $86 | 5.06% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 3113 W BELTLINE HWY MADISION, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $70 | — | $70 | 10.06% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $35 | — | $35 | 5.03% |
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 | 280 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 247 | $1.4M |
| Dental | DELTA DENTAL OF WISCONSIN | 161 | $95K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 292 | $21K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 16 | $12K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 292 | $27K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 292 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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.