| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAUSMANN GROUP INC3 Filed as: HAUSMANN GROUP, INC | 740 REGENT STREET SUITE 400 MADISON, WI 53715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 9.98% |
| M3 INSURANCE SOLUTIONS INC3 | P O BOX 8950 828 JOHN NOLEN DRIVE MADISON, WI 53708 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.03% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 NORTH MILDRED AVE., #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $135 | $135 | 0.50% |
| HAUSMANN GROUP INC3 Filed as: HAUSMANN GROUP, INC | 740 REGENT STREET SUITE 400 MADISON, WI 53715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 6.05% |
| M3 INSURANCE SOLUTIONS INC3 | PO BOX 8950 828 JOHN NOLEN DRIVE MADISON, WI 53708 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $961 | $404 | $1K | 5.23% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 NORTH MILDRED AVE., #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $131 | $131 | 0.50% |
| HAUSMANN GROUP INC3 Filed as: HAUSMANN GROUP, INC | 740 REGENT STREET SUITE 400 MADISON, WI 53715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 9.78% |
| M3 INSURANCE SOLUTIONS INC3 | PO BOX 8950 828 JOHN NOLEN DRIVE MADISON, WI 53708 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $342 | $1K | 6.78% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 NORTH MILDRED AVE., #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $114 | $114 | 0.52% |
| INGENIUM PRIME INC3 | PO BOX 259408 MADISON, WI 537159408 | WYSSTA INSURANCE COMPANY INC | $1K | — | $1K | 7.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $149K |
| HAUSMANN GROUP INC EIN 39-1090217 BROKER | Other commissions Service code 55 | — | $42K |
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 THIRD PARTY ADMIN | Contract Administrator Service code 13 | — | $7K |
| EMPLOYEE BENEFITS CORPORATION EIN 39-2044064 THIRD PARTY ADMINISTRATO | Claims processing; Contract Administrator Service code 12 | — | $2K |
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 | 148 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | WYSSTA INSURANCE COMPANY INC | 84 | $13K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 185 | $26K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 52 | $27K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 185 | $22K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE CORPORATION | 114 | $764K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 185 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.