| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SPECTRUM BENEFIT SOLUTIONS3 Filed as: SPECTRUM BENEFITS SOLUTIONS | PO BOX 161 SPENCER, WI 54479 | SECURITY HEALTH PLAN OF WISCONSIN, INC. | $16K | — | $16K | 1.58% |
| SPECTRUM BENEFIT SOLUTIONS3 Filed as: SPECTRUM BENEFIT SOLUTIONS OF CW LL | PO BOX 161 SPENCER, WI 54479 | SECURITY HEALTH PLAN OF WISCONSIN, INC. | $5K | — | $5K | 2.09% |
| SPECTRUM BENEFIT SOLUTIONS3 | 132 W STATE ST MEDFORD, WI 544510000 | DELTA DENTAL OF WISCONSIN | $6K | — | $6K | 7.90% |
| SPECTRUM BENEFIT SOLUTIONS3 Filed as: SPECTRUM BENEFITS SOLUTIONS | PO BOX 161 SPENCER, WI 54479 | SECURITY HEALTH PLAN OF WISCONSIN, INC. | $2K | — | $2K | 2.84% |
| SPECTRUM BENEFITS SOLUTIONS OF CENT3 Filed as: SPECTRUM BEN. SOLUTIONS OF WI LLC | 132 W STATE ST MEDFORD, WI 54451 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $165 | $3K | 15.72% |
| SPECTRUM BENEFITS SOLUTIONS OF CENT3 Filed as: SPECTRUM BENEFITS SOLUTIONS OF WI | 132 W STATE ST MEDFORD, WI 54451 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $146 | $2K | 11.02% |
| SPECTRUM BENEFITS SOLUTIONS OF CENT3 Filed as: SPECTRUM BEN. SOLUTIONS OF WI LLC | 132 W STATE ST MEDFORD, WI 54451 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $106 | $2K | 16.06% |
| SPECTRUM BENEFIT SOLUTIONS3 | 132 W STATE ST MEDFORD, WI 54451 | WYSSTA INSURANCE COMPANY INC | $785 | — | $785 | 8.68% |
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 | 106 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | SECURITY HEALTH PLAN OF WISCONSIN, INC. | 104 | $1.3M |
| Dental | DELTA DENTAL OF WISCONSIN | 75 | $72K |
| Vision | WYSSTA INSURANCE COMPANY INC | 70 | $9K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $24K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $16K |
| Prescription drug(3 contracts) | SECURITY HEALTH PLAN OF WISCONSIN, INC. | 104 | $1.3M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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.