| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DATA245 LLC3 | 27864 IRMA LEE CIR SUITE 104 LAKE FOREST, IL 60045 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $27K | $27K | 3.72% |
| WESTLAKE FINANCIAL GROUP INC3 | 2345 WAUKEGAN ROAD SUITE 140 BANNOCKBURN, IL 60015 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $25K | $25K | 3.45% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $14K | $14K | 1.87% |
| DATA245 LLC3 | 27864 IRMA LEE CIRE SUITE 104 LAKE FOREST, IL 60045 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $40K | $40K | 7.23% |
| WESTLAKE FINANCIAL GROUP INC3 | 2345 WAUKEGAN ROAD SUITE 140 BANNOCKBURN, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $13K | $13K | 2.40% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 1.17% |
| THE HORTON GROUP3 Filed as: THE HORTON GROU | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | HARTFORD LIFE AND ACCIDENT | — | $33K | $33K | 10.89% |
| DATA245 LLC3 | 27864 IRMA LEE CIRE SUITE 104 LAKE FOREST, IL 60045 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $13K | $13K | 4.76% |
| WESTLAKE FINANCIAL GROUP INC3 | 2345 WAUKEGAN ROAD SUITE 140 BANNOCKBURN, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 2.82% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 1.32% |
| WESTALKE FINANCIAL GROUP3 | 2435 WAUKEGAN RD SUITE 140 BANNOCKBURN, IL 60012 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 2.24% |
| DATA245 LLC3 | 27865 IRMA LEE CIRE SUITE 104 LAKE FOREST, IL 60045 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.59% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| QUARTZ HEALTH SOLUTIONS, INC PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 840 CAROLINA STREET SAUK CITY, WI 53583 | $574K |
| DELTA DENTAL OF WISCONSIN PLAN ADMINISTRATOR | Contract Administrator Service code 13 | 2801 HOOVER ROAD PO BOX 828 STEVENS POINT, WI 54481 | $85K |
| M3 INSURANCE SOLUTIONS INSURANCE AGENT OR BROKER | Insurance agents and brokers Service code 22 | 828 JOHN NOLEN DR MADISON, WI 53713 | $5K |
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 | 3,285 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,294 | Active + retired/separated + beneficiaries. No dependents. |
No Schedule A insurance contracts on this filing — typical of fully self-funded plans, where the only headcount is the Form 5500 number above.
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.