| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SPECTRUM BENEFIT SOLUTIONS3 Filed as: SPECTRUM BENEFITS SOLUTIONS | 132 W STATE ST MEDFORD, WI 54451 | SECURITY HEALTH PLAN OF WISCONSIN, INC. | $12K | — | $12K | 1.51% |
| SPECTRUM BENEFIT SOLUTIONS3 Filed as: SPECTRUM BENEFITS SOLUTIONS | 132 W STATE ST MEDFORD, WI 54451 | SECURITY HEALTH PLAN OF WISCONSIN, INC. | $6K | — | $6K | 2.39% |
| SPECTRUM BENEFIT SOLUTIONS3 Filed as: SPECTRUM BENEFITS SOLUTIONS | 132 W STATE ST MEDFORD, WI 54451 | SECURITY HEALTH PLAN OF WISCONSIN, INC. | $2K | — | $2K | 1.83% |
| SPECTRUM BENEFIT SOLUTIONS3 | 132 W STATE ST MEDFORD, WI 544510000 | DELTA DENTAL OF WISCONSIN | $5K | — | $5K | 7.16% |
| SPECTRUM BENEFIT SOLUTIONS3 Filed as: SPECTRUM BENEFITS SOLUTIONS | 132 W STATE ST MEDFORD, WI 54451 | SECURITY HEALTH PLAN OF WISCONSIN, INC. | $1K | — | $1K | 2.39% |
| SPECTRUM BENEFIT SOLUTIONS3 | 132 W STATE ST MEDFORD, WI 54451 | ANTHEM LIFE INSURANCE COMPANY (G1400) | $4K | — | $4K | 14.45% |
| SPECTRUM BENEFIT SOLUTIONS3 | 132 W STATE ST MEDFORD, WI 54451 | WYSSTA INSURANCE COMPANY INC | $727 | — | $727 | 8.39% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | SECURITY HEALTH PLAN OF WISCONSIN, INC. | 108 | $1.2M |
| Dental | DELTA DENTAL OF WISCONSIN | 80 | $63K |
| Vision | WYSSTA INSURANCE COMPANY INC | 72 | $9K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY (G1400) | 110 | $26K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY (G1400) | 110 | $26K |
| Prescription drug(4 contracts) | SECURITY HEALTH PLAN OF WISCONSIN, INC. | 108 | $1.2M |
| Other | ANTHEM LIFE INSURANCE COMPANY (G1400) | 110 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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.