| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | UNITY HEALTH PLANS INSURANCE CORPORATION | $22K | — | $22K | 1.64% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $37K | $37K | 3.08% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $5K | $17K | 6.91% |
| W B A-EMPLOYEE BENEFITS CORP3 | 4721 S BILTMORE LN MADISON, WI 53718 | DELTA DENTAL OF WISCONSIN | $6K | — | $6K | 3.73% |
| WBA EMPLOYEE BENEFITS CORP3 Filed as: WBA-EMPLOYEE BENEFIT CORP | 4721 S. BILTMORE LANE MADISON, WI 53718 | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC. | $4K | — | $4K | 8.11% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | DELTA DENTAL OF KANSAS, INC. | $1K | — | $1K | 2.99% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $733 | $6K | 15.79% |
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 | 243 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITY HEALTH PLANS INSURANCE CORPORATION | 256 | $2.5M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF WISCONSIN | 158 | $196K |
| Vision | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC. | 455 | $44K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 252 | $285K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 252 | $246K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 252 | $246K |
| Prescription drug | UNITY HEALTH PLANS INSURANCE CORPORATION | 256 | $1.3M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 252 | $285K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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.