| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ZIMDARS COMPANY INC3 | 406 SCIENCE DR STE 206 MADISON, WI 53711 | STANDARD INSURANCE COMPANY | $2K | $992 | $3K | 2.45% |
| M3 INS SOLUTIONS INC3 | PO BOX 8950 MADISON, WI 53708 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.50% |
| WISCONSIN ASSOC OF INDEP COLLEGES3 | 122 W WASHINGTON AVE STE 700 MADISON, WI 53703 | STANDARD INSURANCE COMPANY | $421 | — | $421 | 0.35% |
| ZIMDARS COMPANY INC3 | 406 SCIENCE DR, STE 206 MADISON, WI 53711 | STANDARD INSURANCE COMPANY | $2K | $664 | $2K | 2.70% |
| M3 INS SOLUTIONS INC3 | PO BOX 8950 MADISON, WI 53708 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.14% |
| WISCONSIN ASSOC OF INDEP COLLEGES3 | 122 W WASHINGTON AVE STE 700 MADISON, WI 53703 | STANDARD INSURANCE COMPANY | $362 | — | $362 | 0.45% |
| M3 INS SOLUTIONS INC3 | PO BOX 8950 MADISON, WI 53708 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.02% |
| ZIMDARS COMPANY INC3 | 406 SCIENCE DR STE 206 MADISON, WI 53711 | STANDARD INSURANCE COMPANY | $2K | $381 | $2K | 4.14% |
| WISCONSIN ASSOC OF INDEP COLLEGES3 | 122 W WASHINGTON AVE STE 700 MADISON, WI 53703 | STANDARD INSURANCE COMPANY | $434 | — | $434 | 0.93% |
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 | 352 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 296 | $81K |
| Short-term disability | STANDARD INSURANCE COMPANY | 357 | $121K |
| Long-term disability | STANDARD INSURANCE COMPANY | 357 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 357 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.