| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SPECTRUM BEN. SOL. OF CW LLC3 | 815 S 24TH AVE., STE. 200 WAUSAU, WI 54401 | SECURITY HEALTH PLAN OF WISCONSIN, INC. | $18K | — | $18K | 2.36% |
| SPECTRUM BEN. SOL. OF CW LLC3 | 815 S 24TH AVE., SUITE 200 WAUSAU, WI 54401 | SECURITY HEALTH PLAN OF WISCONSIN, INC. | $1K | — | $1K | 3.79% |
| SPECTRUM BENEFIT SOLUTIONS3 | 815 S 24TH AVE SUITE 200 WAUSAU, WI 54401 | ANTHEM LIFE INSURANCE COMPANY (G1400) | $2K | — | $2K | 10.23% |
| SPECTRUM BENEFIT SOLUTIONS3 | 7402 STONE RIDGE DRIVE STE 3 WESTON, WI 54476 | ANTHEM LIFE INSURANCE COMPANY (G1400) | $886 | — | $886 | 3.90% |
| SPECTRUM BEN. SOL. OF CW LLC3 | 815 S 24TH AVE., STE. 200 WAUSAU, WI 54401 | SECURITY HEALTH PLAN OF WISCONSIN, INC. | $25 | — | $25 | — |
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 | 99 | 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) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | SECURITY HEALTH PLAN OF WISCONSIN, INC. | 141 | $802K |
| Vision | BLUE CROSS BLUE SHIELD OF WISCONSIN | 99 | $2 |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY (G1400) | 99 | $23K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY (G1400) | 99 | $23K |
| Prescription drug(3 contracts) | SECURITY HEALTH PLAN OF WISCONSIN, INC. | 141 | $801K |
| Other | ANTHEM LIFE INSURANCE COMPANY (G1400) | 99 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.