| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | DEAN HEALTH PLAN INC | $25K | — | $25K | 1.42% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | DELTA DENTAL OF WISCONSIN | $10K | — | $10K | 11.21% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 11.33% |
| WATCHTOWER BENEFITS, LLC5 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $644 | $644 | 1.50% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 17.74% |
| WATCHTOWER BENEFITS, LLC5 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $500 | $500 | 1.50% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $894 | $4K | 15.30% |
| WATCHTOWER BENEFITS, LLC5 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $421 | $421 | 1.50% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $472 | $2K | 12.74% |
| WATCHTOWER BENEFITS, LLC5 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $259 | $259 | 1.50% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | WYSSTA INSURANCE COMPANY, INC. | $1K | — | $1K | 8.19% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $249 | $3K | 22.10% |
| WATCHTOWER BENEFITS, LLC5 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $178 | $178 | 1.50% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $782 | $100 | $882 | 22.55% |
| WATCHTOWER BENEFITS, LLC5 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $59 | $59 | 1.51% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | WYSSTA INSURANCE COMPANY, INC. | $24 | — | $24 | 8.16% |
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 | 206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DEAN HEALTH PLAN INC | 267 | $1.8M |
| Dental | DELTA DENTAL OF WISCONSIN | 133 | $92K |
| Vision(2 contracts) | WYSSTA INSURANCE COMPANY, INC. | 106 | $14K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 211 | $51K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 211 | $43K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 59 | $28K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 211 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.