| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | $36K | — | $36K | 1.53% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES, INC. | N14W23900 STONE RIDGE DR. WAUKESHA, WI 531881135 | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | $14K | — | $14K | 0.58% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | DELTA DENTAL OF WISCONSIN | $8K | — | $8K | 6.52% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES, INC. | N14W23900 STONE RIDGE DR. WAUKESHA, WI 531881135 | DELTA DENTAL OF WISCONSIN | $3K | — | $3K | 2.94% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $3K | $11K | 10.15% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES | N14W23900 STONE RIDGE DR. WAUKESHA, WI 531881135 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $2K | $4K | 4.10% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 12.32% |
| R&R INSURANCE SERVICE INC3 Filed as: R&R INSURANCE SERVICE | N14W23900 STONE RIDGE DR. WAUKESHA, WI 531881135 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $690 | $3K | 7.75% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | WYSSTA INSURANCE COMPANY, INC. | $1K | — | $1K | 5.99% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES, INC. | N14W23900 STONE RIDGE DR. WAUKESHA, WI 531881135 | WYSSTA INSURANCE COMPANY, INC. | $478 | — | $478 | 2.72% |
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 | 269 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | 321 | $2.4M |
| Dental | DELTA DENTAL OF WISCONSIN | 188 | $117K |
| Vision | WYSSTA INSURANCE COMPANY, INC. | 149 | $18K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 269 | $152K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 269 | $110K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 269 | $110K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 269 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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.
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.