| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $50K | $0 | $50K | 0.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $13K | $0 | $13K | 0.22% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | PO BOX 8950 MADISON, WI 53708 | RELIASTAR LIFE INSURANCE COMPANY | $36K | $0 | $36K | 7.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | RELIASTAR LIFE INSURANCE COMPANY | $15K | $0 | $15K | 3.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | RELIASTAR LIFE INSURANCE COMPANY | $5K | $0 | $5K | 1.02% |
| C2 CENTRIC LLC3 | 8804 SOUTH WINNIPEG COURT AURORA, CO 80016 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.65% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | WYSSTA INSURANCE COMPANY INC | $3K | $0 | $3K | 4.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | WYSSTA INSURANCE COMPANY INC | $3K | $0 | $3K | 4.07% |
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 | 761 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 761 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 1,330 | $6.1M |
| Vision | WYSSTA INSURANCE COMPANY INC | 501 | $68K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,305 | $456K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,305 | $456K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,305 | $456K |
| Prescription drug | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 1,330 | $6.1M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 1,305 | $456K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,330 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.