| 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 | $68K | — | $68K | 1.96% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY, INC. | 210 CLINTON RD NEW HARTFORD, NY 13413 | MVP HEALTH CARE | $10K | — | $10K | 3.00% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DR. MADISON, WI 53716 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $10K | $20K | 7.55% |
| C2 CENTRIC LLC3 | 11740 SW 68TH PARKWAY SUITE 2 PORTLAND, OR 97223 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $300 | — | $300 | 0.12% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DR. MADISON, WI 53713 | STANDARD INSURANCE COMPNAY | $12K | — | $12K | 7.57% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPNAY | $391 | — | $391 | 0.25% |
| KERR BOSWELL INC3 Filed as: KERR-BOSWELL INC | 110 PIEDMONT AVE BRISTOL, VA 242014159 | UNITED HEALTHCARE INSURANCE COMPANY | $17K | — | $17K | 46.85% |
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 | 363 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 101 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 464 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | DEAN HEALTH PLAN INC | 473 | $3.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 300 | $258K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 300 | $258K |
| Life insurance | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 464 | $325K |
| Short-term disability | STANDARD INSURANCE COMPNAY | 387 | $159K |
| Long-term disability | STANDARD INSURANCE COMPNAY | 387 | $159K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 363 | $260K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 473 | — |
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.