| 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 | 1.72% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $34K | $34K | 2.84% |
| W B A-EMPLOYEE BENEFITS CORP3 | 4721 S BILTMORE LN MADISON, WI 53718 | DELTA DENTAL OF WISCONSIN | $8K | — | $8K | 3.75% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $5K | $18K | 8.24% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $762 | $6K | 18.89% |
| WBA EMPLOYEE BENEFITS CORP3 Filed as: WBA-EMPLOYEE BENEFIT CORP | 4721 S. BILTMORE LANE MADISON, WI 53718 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $4K | — | $4K | 12.70% |
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 | 271 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITY HEALTH PLANS INSURANCE CORPORATION | 266 | $2.5M |
| Dental | DELTA DENTAL OF WISCONSIN | 225 | $217K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 483 | $29K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 269 | $251K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 269 | $217K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 269 | $217K |
| Prescription drug | UNITY HEALTH PLANS INSURANCE CORPORATION | 266 | $1.3M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 269 | $251K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 483 | — |
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.