| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VIZANCE, INC. Filed as: VIZANCE INC. | PO BOX 355 HARTLAND, WI 53029 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $329 | $7K | 10.44% |
| M3 INSURANCE SOLUTIONS INC Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $446 | $4K | 5.73% |
| VIZANCE, INC. Filed as: VIZANCE INC | PO BOX 355 HARTLAND, WI 53029 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $843 | $63 | $906 | 7.26% |
| M3 INSURANCE SOLUTIONS INC | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $404 | $81 | $485 | 3.89% |
| VIZANCE, INC. Filed as: VIZANCE INC | PO BOX 355 HARTLAND, WI 53029 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $135 | $1K | 19.98% |
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 | 400 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 263 | $165K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 470 | $79K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 106 | $7K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 470 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 470 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.