| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRADLEY NIEBUHR3 | M3 INSURANCE SOLUTIONS INC 828 JOHN NOLEN DRIVE MADISON, WI 53713 | HEALTHPARTNERS INSURANCE COMPANY | — | $1K | $1K | 0.38% |
| SCOTT HASKINS - HORIZON AGENCY3 Filed as: SCOTT HASKINS | HORIZON AGENCY 6500 CITY WEST PKWY STE 100 EDEN PRAIRIE, MN 55344 | HEALTHPARTNERS INSURANCE COMPANY | — | $25 | $25 | 0.01% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | WYSSTA INSURANCE COMPANY, INC. | $7K | — | $7K | 10.83% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | DELTA DENTAL OF WISCONSIN | $279 | — | $279 | 1.04% |
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 | 619 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 623 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITY HEALTH PLANS INSURANCE CORPORATION | 880 | $4.6M |
| Dental | DELTA DENTAL OF WISCONSIN | 543 | $27K |
| Vision | WYSSTA INSURANCE COMPANY, INC. | 310 | $62K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 617 | $162K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 616 | $77K |
| Prescription drug | UNITY HEALTH PLANS INSURANCE CORPORATION | 880 | $4.2M |
| Other(3 contracts, 3 carriers) | HEALTHPARTNERS INSURANCE COMPANY | 654 | $465K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 880 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.