| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRICOR, INC3 Filed as: TRICOR LLC | 230 W CHERRY ST LANCASTER, WI 53813 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $21K | — | $21K | 0.76% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $4K | — | $4K | 0.15% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | DELTA DENTAL OF WISCONSIN | $7K | — | $7K | 3.94% |
| ANDREW P SHULLA3 | SHULLA FINANCIAL SVCS PO BOX 628036 MIDDLETON, WI 53562 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 5.91% |
| ANDREW P SHULLA3 | SHULLA FINANCIAL SVCS PO BOX 628036 MIDDLETON, WI 53562 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 8.48% |
| ANDREW P SHULLA3 | SHULLA FINANCIAL SVCS PO BOX 628036 MIDDLETON, WI 53562 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 9.53% |
| TRICOR, INC3 Filed as: TRICOR, LLC | 230 W CHERRY ST LANCASTER, WI 53813 | WYSSTA INSURANCE COMPANY INC | $883 | — | $883 | 5.27% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | WYSSTA INSURANCE COMPANY INC | $353 | — | $353 | 2.11% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 326 | $2.7M |
| Dental | DELTA DENTAL OF WISCONSIN | 141 | $174K |
| Vision | WYSSTA INSURANCE COMPANY INC | 113 | $17K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $33K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $47K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $84K |
| Prescription drug | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 326 | $2.7M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.