| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | DEAN HEALTH PLAN INC | $28K | — | $28K | 1.71% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $1K | $4K | 8.45% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 NORTH MILDRED AVE., #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $660 | $660 | 1.38% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $780 | $5K | 12.90% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 NORTH MILDRED AVE., #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $485 | $485 | 1.38% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $344 | $3K | 17.17% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 NORTH MILDRED AVE., #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $219 | $219 | 1.38% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | WYSSTA INSURANCE COMPANY INC | $975 | — | $975 | 7.98% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $760 | $106 | $866 | 17.10% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $648 | $100 | $748 | 17.32% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $389 | $62 | $451 | 17.39% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 NORTH MILDRED AVE., #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $35 | $35 | 1.35% |
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 | 220 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DEAN HEALTH PLAN INC | 307 | $1.6M |
| Vision | WYSSTA INSURANCE COMPANY INC | 101 | $12K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 215 | $48K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 40 | $16K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 216 | $35K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 215 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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.