| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VIRTUS LLC3 Filed as: VIRTUS, LLC | 4550 WEST 109TH STREET, SUITE 301 OVERLAND PARK, KS 66211 | SECURITY HEALTH PLAN OF WISCONSIN, INC. | $81K | $0 | $81K | 1.86% |
| VIRTUS LLC3 Filed as: VIRTUS, LLC | 9800 METCALF AVENUE, SUITE 500 OVERLAND PARK, KS 66212 | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | $39K | $8K | $47K | 13.64% |
| TRUE NETWORK ADVISORS3 | 383 GUNTER AVENUE GUNTERSVILLE, AL 35976 | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 1.00% |
| VIRTUS LLC3 Filed as: VIRTUS, LLC | 4550 WEST 109TH STREET, SUITE 301 OVERLAND PARK, KS 66211 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $3K | $0 | $3K | 9.07% |
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 | 399 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 403 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SECURITY HEALTH PLAN OF WISCONSIN, INC. | 713 | $4.4M |
| Dental | FAMILY HEALTH CENTER OF MARSHFIELD, INC. | 62 | $67K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 497 | $31K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | 399 | $345K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | 399 | $345K |
| Prescription drug | SECURITY HEALTH PLAN OF WISCONSIN, INC. | 713 | $4.4M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | 399 | $345K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 713 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.