| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $83K | $86K | 2.16% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35K | $6K | $41K | 17.76% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST 3RD FL CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 1.50% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | DELTA DENTAL OF WISCONSIN | $8K | — | $8K | 3.87% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $4K | 6.64% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST 3RD FL CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $992 | $992 | 1.50% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $1K | $9K | 17.82% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST 3RD FL CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $746 | $746 | 1.50% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $1K | $8K | 17.92% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST 3RD FL CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $691 | $691 | 1.50% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 14.98% |
| C2 CENTRIC LLC3 Filed as: C2 CENTRIC, LLC | PO BOX 6824 GRAND RAPIDS, MI 49516 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $104 | $104 | 0.32% |
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 | 733 | 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) | 735 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 651 | $4.0M |
| Dental | DELTA DENTAL OF WISCONSIN | 314 | $201K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 651 | $4.0M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 709 | $116K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 709 | $232K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 111 | $46K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 709 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 709 | — |
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.