| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DR. MADISON, WI 53713 | DEAN HEALTH PLAN INC. | $69K | — | $69K | 1.96% |
| KERR BOSWELL INC3 Filed as: KERR-BOSWELL INC | 110 PIEDMONT AVE BRISTOL, VA 242014159 | UNITED HEALTHCARE INSURANCE COMPANY | $36K | — | $36K | 4.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY, INC. | 210 CLINTON RD. NEW HARTFORD, NY 13413 | MVP HEALTH CARE | $15K | — | $15K | 4.58% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DR. MADISON, WI 53713 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $9K | $22K | 7.24% |
| C2 CENTRIC LLC3 | 11740 SW 68TH PARKWAY SUITE 2 PORTLAND, OR 97223 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $261 | — | $261 | 0.09% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 8.12% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 0.69% |
| RAY W BAER & SONS INC3 | 9701 BRADER WAY MADISON, WI 53562 | CIGNA GROUP INSURANCE | $649 | $0 | $649 | 45.01% |
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 | 434 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 88 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 522 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | DEAN HEALTH PLAN INC. | 502 | $4.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 352 | $300K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 352 | $300K |
| Life insurance | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 522 | $318K |
| Short-term disability | STANDARD INSURANCE COMPANY | 434 | $158K |
| Long-term disability | STANDARD INSURANCE COMPANY | 434 | $158K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 434 | $301K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 522 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.