| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH STREET SOUTH BIRMINGHAM, AL 35233 | HARTFORD LIFE AND ACCIDENT | $120K | — | $120K | 43.29% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | HARTFORD LIFE AND ACCIDENT | $21K | $15K | $36K | 13.11% |
| WEBTPA EMPLOYER SERVICES LLC3 | 8500 FREEPORT PARKWAY SOUTH IRVING, TX 75063 | HARTFORD LIFE AND ACCIDENT | $0 | $11K | $11K | 4.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 SERVICE PROVIDER | Claims processing; Contract Administrator Service code 12 | 11 SCOTT STREET WAUSAU, WI 544021087 | $287K |
| COALITION SERVICES LLC EIN 46-3105185 SERVICE PROVIDER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general) Service code 15 | P.O. BOX 561 SOMERS, WI 53171 | $56K |
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 SERVICE PROVIDER | Claims processing; Contract Administrator Service code 12 | 2801 HOOVER ROAD P.O. BOX 828 STEVENS POINT, WI 54481 | $33K |
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 | 968 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 986 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | WYSSTA INSURANCE COMPANY INC | 587 | $96K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 968 | $141K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 956 | $277K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 956 | $277K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 968 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 968 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.