| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INS SOLUTIONS INC3 | PO BOX 8950 MADISON, WI 53708 | STANDARD INSURANCE COMPANY | — | $3K | $3K | 1.90% |
| M3 INS SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | STANDARD INSURANCE COMPANY | — | $690 | $690 | 0.89% |
| M3 INS SOLUTIONS INC3 | PO BOX 8950 MADISON, WI 53708 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 6.07% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S #710 BLOOMINGTON, MN 55439 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 5.69% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 227 WEST MONROE ST. STE. 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 2.42% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 111 N WASHINGTON ST SUITE 300 GREEN BAY, WI 54302 | STANDARD INSURANCE COMPANY | $583 | — | $583 | 0.90% |
| M3 INS SOLUTIONS INC3 | PO BOX 8950 MADISON, WI 53708 | STANDARD INSURANCE COMPANY | — | $886 | $886 | 1.84% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 1175 LOMBARDI AVE. SUITE 350 GREEN BAY, WI 543043952 | UNITEDHEALTHCARE INSURANCE COMPANY | -$1K | — | -$1K | -2.89% |
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 | 433 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 436 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 590 | $43K |
| Life insurance | STANDARD INSURANCE COMPANY | 510 | $78K |
| Short-term disability | STANDARD INSURANCE COMPANY | 225 | $144K |
| Long-term disability | STANDARD INSURANCE COMPANY | 165 | $48K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 590 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 590 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.