Form 5500 · Employee benefit plan · MADISON, WI
SUB-ZERO GROUP, INC.
The filing calls this plan SUB-ZERO GROUP, INC. EMPLOYEE BENEFIT PLAN.
SUB-ZERO GROUP, INC. of MADISON, WI is a 3,399-participant manufacturing employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is WATCHTOWER TECHNOLOGIES INC. Coverage is written through QUARTZ HEALTH BENEFIT PLANS CORPORATION and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 56-2628046 · plan 502 · plan year 2025, filed Jun 25, 2026
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1,633 other employer plans in Wisconsin have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
One contract on this filing does not say which benefits it covers, so a line above may be insured by it.
Also declared: death benefits, other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 6 insured contracts covering health, vision, life and disability; the largest, with QUARTZ HEALTH BENEFIT PLANS CORPORATION, covers 4,186 people.
The filing declares health, vision, life, disability and dental. Dental appears with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on the contract here that does not say what it covers.
Reported premium across the insured contracts is $44,187,187, with $25,889 in disclosed broker commissions — about 0.1% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
WATCHTOWER TECHNOLOGIES INC is the broker of record on 2 of the 6 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life | 3,219 | Jan 1, 2026 | $582,618 | $13,198 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Disability | 3,219 | Jan 1, 2026 | $846,040 | $12,691 |
| QUARTZ HEALTH BENEFIT PLANS CORPORATION | Health | 4,186 | Jan 1, 2026 | $27,009,346 | $0 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Vision | 863 | Jan 1, 2026 | $15,533,612 | $0 |
| WYSSTA INSURANCE COMPANY INC | Vision | 1,255 | Jan 1, 2026 | $148,340 | $0 |
| EMPATHIA, INC. | — | 3,168 | Jan 1, 2026 | $67,231 | $0 |
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Reported to OSHA
Reported to OSHA for 2025: 2,812 employees, 58 recordable cases, 367 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
How this plan compares
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Renewal calendar
1,633 other employer plans in Wisconsin are January 1 renewals (policy year ends December).
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