| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC | 701 SAND LAKE RD ONALASKA, WI 54601 | SECURITY HEALTH PLAN OF WISCONSIN INC. | $25K | — | $25K | 4.02% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC | 701 SAND LAKE RD ONALASKA, WI 54650 | SECURITY HEALTH PLAN OF WISCONSIN INC. | $4K | — | $4K | 3.40% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES | PO BOX 28 DUBUQUE, IA 52001 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 55.54% |
| GROUP INSURANCE SERVICES INC3 | PO BOX 901 NAPERVILLE, IL 60566 | METROPOLITAN LIFE INSURANCE COMPANY | $673 | $134 | $807 | 6.15% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $673 | $673 | 5.13% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES | PO BOX 28 DUBUQUE, IA 52004 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $347 | $4K | 30.68% |
| GROUP INSURANCE SERVICES INC3 | PO BOX 901 NAPERVILLE, IL 60566 | METROPOLITAN LIFE INSURANCE COMPANY | $635 | $649 | $1K | 10.96% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $635 | $635 | 5.42% |
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 | 194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | SECURITY HEALTH PLAN OF WISCONSIN INC. | 78 | $753K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 243 | $13K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 243 | $13K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 243 | $13K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 243 | $13K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 243 | $13K |
| Prescription drug(2 contracts) | SECURITY HEALTH PLAN OF WISCONSIN INC. | 78 | $741K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 243 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.