| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MILWAUKEE BENEFITS LLC3 | 411 E WISCONSIN AVE STE 150 MILWAUKEE, WI 53202 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $39K | $39K | 2.22% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | HARTFORD LIFE AND ACCIDENT | $15K | $179 | $15K | 13.85% |
| MILWAUKEE BENEFITS LLC3 Filed as: MILWAUKEE BENEFITS, LLC | 411 E WISCONSIN AVE STE 150 MILWAUKEE, WI 53202 | HARTFORD LIFE AND ACCIDENT | $998 | — | $998 | 0.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $453 | — | $453 | 0.41% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | DELTA DENTAL OF WISCONSIN | $8K | — | $8K | 9.18% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | WYSSTA INSURANCE COMPANY INC | $822 | — | $822 | 8.22% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 238 | $1.7M |
| Dental | DELTA DENTAL OF WISCONSIN | 128 | $87K |
| Vision | WYSSTA INSURANCE COMPANY INC | 131 | $10K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 131 | $110K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 131 | $110K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 131 | $110K |
| Other | HARTFORD LIFE AND ACCIDENT | 131 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.