| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENEFIT WORKS LLC3 Filed as: BENEFIT WORKS LLC | 6200 MINERAL POINT RD SUITE 201 MADISON, WI 53705 | DEAN HEALTH PLAN INC | $23K | $0 | $23K | 1.05% |
| THE BENEFIT WORKS LLC3 Filed as: BENEFIT WORKS LLC | 6200 MINERAL POINT RD SUITE 201 MADISON, WI 53705 | DELTA DENTAL OF WISCONSIN | $19K | $0 | $19K | 5.21% |
| THE BENEFIT WORKS LLC3 Filed as: BENEFIT WORKS LLC | 6200 MINERAL POINT RD SUITE 201 MADISON, WI 53705 | THE HARTFORD | $12K | $673 | $12K | 5.21% |
| THE BENEFIT WORKS LLC3 Filed as: BENEFIT WORKS LLC | 6200 MINERAL POINT RD SUITE 201 MADISON, WI 53705 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $0 | $18K | 20.01% |
| THE BENEFIT WORKS LLC3 Filed as: BENEFIT WORKS LLC | 6200 MINERAL POINT RD SUITE 201 MADISON, WI 53705 | WYSSTA INSURANCE COMPANY INC | $2K | $0 | $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 | 398 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 401 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DEAN HEALTH PLAN INC | 473 | $2.2M |
| Dental | DELTA DENTAL OF WISCONSIN | 385 | $358K |
| Vision | WYSSTA INSURANCE COMPANY INC | 186 | $25K |
| Life insurance | THE HARTFORD | 398 | $234K |
| Long-term disability | THE HARTFORD | 398 | $234K |
| Other(2 contracts, 2 carriers) | THE HARTFORD | 398 | $324K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 473 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.