| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | DELTA DENTAL OF WISCONSIN | $7K | — | $7K | 10.93% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 NORTH MILDRED AVE., #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $800 | — | $800 | 1.50% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 NORTH MILDRED AVE., #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $359 | — | $359 | 1.50% |
| CLARITY ENROLLMENT SOLUTIONS LLC3 Filed as: CLARITY ENROLLMENT SOLUTIONS | P.O.BOX 46122 EDEN PRARIE, MN 55344 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 42.00% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 8.00% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 NORTH MILDRED AVE., #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $245 | — | $245 | 1.50% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 NORTH MILDRED AVE., #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $242 | — | $242 | 1.50% |
| CLARITY ENROLLMENT SOLUTIONS LLC3 Filed as: CLARITY ENROLLMENT SOLUTIONS | P.O.BOX 46122 EDEN PRARIE, MN 55344 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 42.00% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $894 | — | $894 | 8.00% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 NORTH MILDRED AVE., #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $168 | — | $168 | 1.50% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | WYSSTA INSURANCE COMPANY INC. | $738 | — | $738 | 8.00% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $693 | — | $693 | 15.00% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 NORTH MILDRED AVE., #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $69 | — | $69 | 1.49% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $201 | — | $201 | 11.01% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 NORTH MILDRED AVE., #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $27 | — | $27 | 1.48% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $256 | — | $256 | 14.99% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 NORTH MILDRED AVE., #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $26 | — | $26 | 1.52% |
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 | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WISCONSIN | 104 | $61K |
| Vision | WYSSTA INSURANCE COMPANY INC. | 87 | $9K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 80 | $18K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 104 | $53K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 51 | $29K |
| Other(8 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 255 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.