| 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 | $73K | — | $73K | 2.94% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | BLUE CROSS BLUE SHIELD OF WISCONSIN | $12K | $1K | $13K | 1.53% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | NATIONAL GUARDIAN LIFE INSURANCE | $7K | — | $7K | 2.98% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 8.37% |
| PEACHTREE PLANNING OF GEORGIA3 Filed as: NATIONAL GUARDIAN LIFE INSURANCE CO | 2 EAST GILMAN STREET MADISON, WI 53703 | STANDARD INSURANCE COMPANY | — | $525 | $525 | 0.79% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $165 | — | $165 | 0.25% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 14.50% |
| PEACHTREE PLANNING OF GEORGIA3 Filed as: NATIONAL GUARDIAN LIFE INSURANCE | 2 EAST GILMAN STREET MADISON, WI 53703 | STANDARD INSURANCE COMPANY | $0 | $252 | $252 | 0.77% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $82 | — | $82 | 0.25% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 10.03% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $289 | — | $289 | 0.94% |
| PEACHTREE PLANNING OF GEORGIA3 Filed as: NATIONAL GUARDIAN LIFE INSURANCE CO | 2 EAST GILMAN STREET MADISON, WI 53703 | STANDARD INSURANCE COMPANY | — | $273 | $273 | 0.89% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 22.87% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $24 | — | $24 | 0.11% |
| RAY W BAER & SONS INC3 | 9701 BRADER WAY MADISON, WI 53562 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $226 | — | $226 | 14.99% |
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 | 295 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 403 | $3.5M |
| Dental | NATIONAL GUARDIAN LIFE INSURANCE | 466 | $237K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF WISCONSIN | 466 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 531 | $389K |
| Short-term disability | STANDARD INSURANCE COMPANY | 290 | $66K |
| Long-term disability | STANDARD INSURANCE COMPANY | 290 | $33K |
| Prescription drug | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 403 | $2.5M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 531 | — |
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.