| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE SOLUTIONS INC | 100 N CORORATE DRIVE STE 100 BROOKFIELD, WI 530455800 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | $252 | $18K | 2.38% |
| DAVID SCOTT WOOD3 | 1180 AVENUE OF THE AMERICAS FL 8 NEW YORK, NY 10036 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 0.67% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WOOD ASSOC, INC. | 1180 AVENUE OF THE AMERICAS FL 8 NEW YORK, NY 10036 | DELTA DENTAL OF WISCONSIN | $2K | $0 | $2K | 6.11% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FINA | 12404 PARK CENTRAL DRIVE STE 400S DALLAS, TX 75251 | GUARDIAN | $2K | $0 | $2K | 8.95% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP, LLC | 100 N CORPORATE DRIVE STE 100 BROOKFIELD, WI 53045 | GUARDIAN | $1K | $339 | $2K | 7.35% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 182 | $751K |
| Dental | DELTA DENTAL OF WISCONSIN | 88 | $39K |
| Life insurance | GUARDIAN | 112 | $24K |
| Short-term disability | GUARDIAN | 112 | $24K |
| Long-term disability | GUARDIAN | 112 | $24K |
| Other | GUARDIAN | 112 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.