| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | 111 N. WASHINGTON SUITE 300 GREEN BAY, WI 54301 | PREVEA360 HEALTH PLAN | $41K | — | $41K | 4.29% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 1425 DISCOVERY PKWY. WAUWATOSA, WI 53226 | AMERICAN FIDELITY ASSURANCE COMPANY | $5K | — | $5K | 4.97% |
| WISCONSIN ASSOC OF INDEP COLLEGES3 Filed as: WISCONSIN AUTOMOBILE DEALERS ASSN. | 150 E GILMAN ST # A, MADISON, WI 53703 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $4K | $4K | 3.69% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | — | $3K | 2.73% |
| WATAD SERVICES, INC.3 | 150 E GILMAN ST # A MADISON, WI 53703 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 1.25% |
| AON CONSULTING INC3 Filed as: AON RISK INS. SERVICES WEST INC. | 10461 MILL RUN CIRCLE OWINGS MILLS, MD 21117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OAKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 6.82% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 1425 DISCOVERY PKWY. WAUWATOSA, WI 53226 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 5.00% |
| WISCONSIN ASSOC OF INDEP COLLEGES3 Filed as: WISCONSIN AUTOMOBILE DEALERS ASSN. | 150 E GILMAN ST # A MADISON, WI 53703 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $1K | $1K | 4.09% |
| WATDA SERVICES INC3 Filed as: WATDA SERVICES, INC. | 150 E GILMAN ST # A MADISON, WI 53703 | AMERICAN FIDELITY ASSURANCE COMPANY | $365 | — | $365 | 1.25% |
| AON CONSULTING INC3 Filed as: AON RISK SOLUTIONS | 111 N. WASHINGTON ST. GREEN BAY, WI 54305 | CARE PLUS DENTAL PLANS, INC. | $2K | — | $2K | 8.00% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 10461 MILL RUN CIRCLE OWINGS MILLS, MD 21117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $762 | — | $762 | 12.74% |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | PREVEA360 HEALTH PLAN | 235 | $1.1M |
| Dental(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 92 | $60K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 115 | $6K |
| Short-term disability(2 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 90 | $134K |
| Long-term disability(2 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 90 | $134K |
| Other(3 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 115 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.