| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SERVICES INC | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $25K | — | $25K | 1.12% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | CAREFIRST BLUECHOICE, INC. | — | $34K | $34K | 3.00% |
| GROUP BENEFIT SERVICES INC3 | 6 NORTH PARK DRIVE S 310 HUNT VALLEY, MD 21030 | CAREFIRST BLUECHOICE, INC. | — | $8K | $8K | 0.74% |
| M3 INS SOLUTIONS INC3 | 1872 MID VALLEY DRIVE DE PERE, WI 54115 | STANDARD INSURANCE COMPANY | $5K | $6K | $11K | 6.67% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | — | $408 | $408 | 0.24% |
| M3 INS SOLUTIONS INC3 | 1872 MID VALLEY DRIVE DE PERE, WI 54115 | STANDARD INSURANCE COMPANY | $5K | $4K | $9K | 7.42% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | — | $299 | $299 | 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 | 58 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 58 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 355 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 365 | $3.4M |
| Life insurance | STANDARD INSURANCE COMPANY | 286 | $170K |
| Long-term disability | STANDARD INSURANCE COMPANY | 252 | $127K |
| Prescription drug(2 contracts, 2 carriers) | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 365 | $3.4M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 286 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.