| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | DEAN HEALTH PLAN INC | $14K | — | $14K | 1.72% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | DELTA DENTAL OF WISCONSIN | $5K | — | $5K | 9.02% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 10.85% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE STREET STE 300 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $537 | $537 | 1.50% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $5K | 15.07% |
| WATCHTOWER TECHNOLOGIES INC2 | 306 WEST ERIE STREET STE 300 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $462 | $462 | 1.50% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $397 | $2K | 16.47% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE STREET STE 300 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $139 | $139 | 1.50% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $693 | $199 | $892 | 20.61% |
| KRONOS SAASHR INC3 Filed as: KRONOS SAASHR INC. | 900 CHELMSFORD ST LOWELL, MA 01851 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $173 | $173 | 4.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES INC. | 306 W ERIE ST 3RD FLOOR CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $65 | $65 | 1.50% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | WYSSTA INSURANCE COMPANY INC | $292 | — | $292 | 7.25% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $560 | $177 | $737 | 21.05% |
| KRONOS SAASHR INC3 Filed as: KRONOS SAASHR INC. | 900 CHELMSFORD ST LOWELL, MA 01851 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $140 | $140 | 4.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES INC. | 306 W ERIE ST 3RD FLOOR CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $52 | $52 | 1.48% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $270 | $158 | $428 | 25.34% |
| KRONOS SAASHR INC3 Filed as: KRONOS SAASHR INC. | 900 CHELMSFORD ST LOWELL, MA 01851 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $68 | $68 | 4.03% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES INC. | 306 W ERIE ST 3RD FLOOR CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $25 | $25 | 1.48% |
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 | 109 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DEAN HEALTH PLAN INC | 112 | $808K |
| Dental | DELTA DENTAL OF WISCONSIN | 46 | $50K |
| Vision | WYSSTA INSURANCE COMPANY INC | 35 | $4K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 103 | $9K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 109 | $36K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 103 | $31K |
| Other(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 103 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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.