| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AVERGENT LLC3 Filed as: AVERGENT | 1400 LOMBARDI AVE STE 40 GREEN BAY, WI 54304 | DELTA DENTAL OF WISCONSIN | $5K | — | $5K | 9.32% |
| 5GBENEFITS LLC3 | 1915 KNAPP ST OSHKOSH, WI 54902 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 5.55% |
| M3 INS SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | STANDARD INSURANCE COMPANY | — | $699 | $699 | 2.71% |
| AVERGENT LLC3 | 1400 LOMBARDI AVE STE 201 GREEN BAY, WI 54304 | STANDARD INSURANCE COMPANY | $617 | — | $617 | 2.39% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE ST STE 5200 CHICAGO, IL 606061572 | STANDARD INSURANCE COMPANY | — | $387 | $387 | 1.50% |
| M3 INS SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | STANDARD INSURANCE COMPANY | $2K | $310 | $2K | 13.96% |
| 5GBENEFITS LLC3 | 1915 KNAPP ST OSHKOSH, WI 54902 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 7.77% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $224 | $224 | 1.47% |
| AVERGENT LLC3 | 1400 LOMBARDI AVE STE 201 GREEN BAY, WI 54304 | STANDARD INSURANCE COMPANY | $47 | — | $47 | 0.31% |
| 5GBENEFITS LLC3 | 1915 KNAPP ST OSHKOSH, WI 54902 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 9.24% |
| AVERGENT LLC3 | 1400 LOMBARDI AVE STE 201 GREEN BAY, WI 54304 | STANDARD INSURANCE COMPANY | $761 | — | $761 | 5.77% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $198 | $198 | 1.50% |
| 5GBENEFITS LLC3 | 1915 KNAPP ST OSHKOSH, WI 54902 | STANDARD INSURANCE COMPANY | $883 | — | $883 | 6.73% |
| AVERGENT LLC3 | 1400 LOMBARDI AVE STE 201 GREEN BAY, WI 54304 | STANDARD INSURANCE COMPANY | $441 | — | $441 | 3.36% |
| M3 INS SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | STANDARD INSURANCE COMPANY | — | $299 | $299 | 2.28% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $197 | $197 | 1.50% |
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 | 159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WISCONSIN | 90 | $55K |
| Life insurance | STANDARD INSURANCE COMPANY | 159 | $13K |
| Short-term disability | STANDARD INSURANCE COMPANY | 159 | $26K |
| Long-term disability | STANDARD INSURANCE COMPANY | 60 | $13K |
| Other(2 contracts) | STANDARD INSURANCE COMPANY | 159 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.