| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ZIMDARS COMPANY INC3 | 406 SCIENCE DR, STE 206 MADISON, WI 537111071 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.11% |
| WISCONSIN ASSOC OF INDEP COLLEGES3 Filed as: WISCONSIN ASSOC OF INDEP | 122 W WASHINGTON AVE, STE 700 MADISON, WI 53703 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $361 | — | $361 | 1.12% |
| ZIMDARS COMPANY INC3 | 406 SCIENCE DR, STE 206 MADISON, WI 537111071 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.22% |
| WISCONSIN ASSOC OF INDEP COLLEGES3 Filed as: WISCONSIN ASSOC OF INDEP | 122 W WASHINGTON AVE, STE 700 MADISON, WI 53703 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $177 | — | $177 | 1.03% |
| ZIDMARS COMPANY INC3 | 406 SCIENCE DR, STE 206 MADISON, WI 537111071 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 18.00% |
| WISCONSIN ASSOC OF INDEP COLLEGES3 Filed as: WISCONSIN ASSOC OF INDEP | 122 W WASHINGTON AVE, STE 700 MADISON, WI 53703 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $162 | — | $162 | 2.00% |
| ZIDMARS COMPANY INC3 | 406 SCIENCE DR, STE 206 MADISON, WI 537111071 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $193 | — | $193 | 18.00% |
| WISCONSIN ASSOC OF INDEP COLLEGES3 Filed as: WISCONSIN ASSOC OF INDEP | 122 W WASHINGTON AVE, STE 700 MADISON, WI 53703 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22 | — | $22 | 2.05% |
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 | 210 | 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) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 289 | $26K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 210 | $32K |
| Other(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 289 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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.