| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 | 6952 ROTE RD ROCKFORD, IL 61112 | SUN LIFE ASSURANCE COMPANY OF CANADA | $40K | — | $40K | 14.81% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTION INC | 2009 W BELTLINE HWY MADISON, WI 53713 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $5K | $5K | 1.95% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $1K | $1K | 0.47% |
| THE MILLER GROUP3 Filed as: MILLER SERVICES INC | 1645 TEMPLE LN ROCKFORD, IL 61112 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $3K | — | $3K | 1.17% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTION INC | P.O. BOX 8950 MADISON, WI 537088950 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $2K | $161 | $2K | 0.90% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTION INC | PO BOX 8950 1515 S. MERIDIAN RD. MADISON, WI 537088950 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 6.64% |
| THE MILLER GROUP3 Filed as: MILLER SERVICES, INC. | DBA 2HB HUMAN RESOURSES BENIFITS 1515 S. MERIDIAN RD ROCKFORD, IL 61102 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $376 | — | $376 | 1.31% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | EXPRESS SCRIPTS, INC. | $300 | — | $300 | 1.31% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNITED AMERICAN INSURANCE COMPANY | $921 | — | $921 | 4.77% |
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 | 203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 33 | $274K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 390 | $29K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 211 | $270K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 211 | $270K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 211 | $270K |
| Prescription drug | EXPRESS SCRIPTS, INC. | 5 | $23K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 211 | $270K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 390 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.