| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SPEAR, WILLIAM A3 | 10607 LABRADOR TRL BOULDER JUNCTION, WI 54512 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 1.04% |
| O'KEEFE, JACOB L3 | 2405 SCHOFIELD AVE STE 240 WESTON, WI 54476 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.12% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $219K | $34K | $253K | 33.23% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $44K | $394 | $44K | 5.82% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $88K | $10K | $98K | 27.05% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $35K | $124 | $35K | 9.66% |
| SPEAR, WILLIAM A3 Filed as: SPEAR, WILLIAM | 10607 LABRADOR TRL BOULDER JUNCTION, WI 54512 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | — | $25K | 15.02% |
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 | 3,509 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,531 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 274 | $1.3M |
| Vision | WYSSTA INSURANCE COMPANY INC | 2,456 | $380K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,509 | $1.7M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,509 | $1.4M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 274 | $1.3M |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,611 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,611 | — |
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.