| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JULIE ALLORD3 | THE BENEFITWORKS, LLC 6200 MINERAL PT RD MADISON, WI 53705 | DEAN HEALTH PLAN | $24K | — | $24K | 1.20% |
| THE BENEFITWORKS LLC3 Filed as: THE BENEFITWORKS | 6200 MINERAL PT RD STE 201 MADISON, WI 53705 | DELTA DENTAL OF WISCONSIN | $16K | — | $16K | 5.23% |
| THE BENEFIT WORKS LLC3 Filed as: BENEFIT WORKS, LLC | 6200 MINERAL PT RD MADISON, WI 53705 | THE HARTFORD | $11K | — | $11K | 5.06% |
| ALLORD, JULIE K3 | 6200 MINERAL PT RD MADISON, WI 53705 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 19.93% |
| THE BENEFITWORKS LLC3 Filed as: THE BENEFITWORKS | 6200 MINERAL PT RD STE 201 MADISON, WI 53705 | WYSSTA INSURANCE COMPANY INC | $2K | — | $2K | 6.80% |
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 | 381 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DEAN HEALTH PLAN | 441 | $2.0M |
| Dental | DELTA DENTAL OF WISCONSIN | 366 | $312K |
| Vision | WYSSTA INSURANCE COMPANY INC | 178 | $23K |
| Life insurance | THE HARTFORD | 381 | $214K |
| Long-term disability | THE HARTFORD | 381 | $214K |
| Other(2 contracts, 2 carriers) | THE HARTFORD | 381 | $304K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 441 | — |
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.