| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BAER INSURANCE3 Filed as: BAER INSURANCE SERVICES LLC | 9701 BRADER WAY MIDDLETON, WI 53562 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $23K | — | $23K | 1.93% |
| JOHNSON INSURANCE SERVICES LLC3 Filed as: JOHNSON INSURANCE | 1103 HUNTER DR MOUNT PLEASANT, WI 53406 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $2K | — | $2K | 0.17% |
| BAER INSURANCE3 | 9701 BRADER WAY MADISON, WI 53562 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 4.58% |
| BAER INSURANCE3 | 9701 BRADER WAY MADISON, WI 53562 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 11.00% |
| BAER INSURANCE3 | 9701 BRADER WAY MADISON, WI 53562 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 13.52% |
| BAER INSURANCE3 Filed as: BAER INSURANCE SERVICES INC | 9701 BRADER WAY MADISON, WI 53562 | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC. | $2K | — | $2K | 10.00% |
| BAER INSURANCE3 | 9701 BRADER WAY MADISON, WI 53562 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $218 | — | $218 | 14.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 THIRD PARTY ADMINISTRATO | Contract Administrator Service code 13 | — | $8K |
| BAER INSURANCE SERVICES LLC INSURANCE AGENT/BROKER | Insurance agents and brokers Service code 22 | PO BOX 46490 MADISON, WI 53744 | $1K |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 272 | $1.2M |
| Vision | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC. | 72 | $16K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 159 | $28K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 113 | $70K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 159 | $19K |
| Prescription drug | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 272 | $1.2M |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 159 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.
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.