| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SERVICES INC | 878 JOHN NOLEN DRIVE MADISON, WI 53713 | UNITY HEALTH PLANS INSURANCE CORPORATION | $20K | — | $20K | 1.00% |
| KELLER BENEFIT SERVICES, INC.3 Filed as: KELLER BENEFIT SERVICES | 7316 WISCONSIN AVENUE SUITE 400 BETHESDA, MD 20814 | CAREFIRST BLUECHOICE, INC. | $31K | $4K | $35K | 3.38% |
| GBS BENEFITS INC3 Filed as: GBS | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | CAREFIRST BLUECHOICE, INC. | — | $6K | $6K | 0.54% |
| M3 INS SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | STANDARD INSURANCE COMPANY | $6K | $6K | $12K | 7.44% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | — | $362 | $362 | 0.22% |
| M3 INS SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | STANDARD INSURANCE COMPANY | $5K | $4K | $10K | 8.29% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | — | $260 | $260 | 0.23% |
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 | 239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 63 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITY HEALTH PLANS INSURANCE CORPORATION | 362 | $3.0M |
| Life insurance | STANDARD INSURANCE COMPANY | 276 | $161K |
| Long-term disability | STANDARD INSURANCE COMPANY | 239 | $115K |
| Prescription drug(2 contracts, 2 carriers) | UNITY HEALTH PLANS INSURANCE CORPORATION | 362 | $3.0M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 276 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 362 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.