| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $28K | — | $28K | 1.96% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | SYMETRA LIFE INSURANCE COMPANY | $15K | $3K | $18K | 5.72% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | DELTA DENTAL OF WISCONSIN | $7K | — | $7K | 6.58% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | WYSSTA INSURANCE COMPANY INC | $2K | — | $2K | 8.02% |
| THE BENEFIT WORKS LLC4 | 6200 MINERAL POINT RD MADISON, WI 53705 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $298 | — | $298 | 6.57% |
| HEARTLAND BENEFITS GROUP LLC4 | 3120 CASTLETON XING SUN PRAIRIE, WI 53590 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $169 | — | $169 | 3.73% |
| M3 INSURANCE SOLUTIONS INC4 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $77 | — | $77 | 1.70% |
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 | 166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 269 | $1.4M |
| Dental | DELTA DENTAL OF WISCONSIN | 127 | $113K |
| Vision | WYSSTA INSURANCE COMPANY INC | 102 | $19K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 0 | $316K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 0 | $316K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 0 | $316K |
| Prescription drug | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 269 | $1.4M |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 30 | $320K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.