| 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 | $19K | — | $19K | 0.86% |
| O'SHERIDAN INSURANCE ALLIANCE INC3 | 6515 GRAND TETON PLAZA SUITE 231 MADISON, WI 53719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 11.37% |
| M3 INSURANCE SOLUTIONS INC3 | PO BOX 8950 MADISON, WI 53708 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $736 | — | $736 | 1.64% |
| O'SHERIDAN INSURANCE ALLIANCE INC3 | 6515 GRAND TETON PLAZA SUITE 231 MADISON, WI 53719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 7.87% |
| M3 INSURANCE SOLUTIONS INC3 | PO BOX 8950 MADISON, WI 53708 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $369 | — | $369 | 0.94% |
| O'SHERIDAN INSURANCE ALLIANCE INC3 | 6515 GRAND TETON PLAZA SUITE 231 MADISON, WI 53719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.81% |
| M3 INSURANCE SOLUTIONS INC3 | PO BOX 8950 MADISON, WI 53708 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $361 | — | $361 | 1.28% |
| O'SHERIDAN INSURANCE ALLIANCE INC3 | 6515 GRAND TETON PLAZA SUITE 231 MADISON, WI 53719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 8.14% |
| M3 INSURANCE SOLUTIONS INC3 | PO BOX 8950 MADISON, WI 53708 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $512 | — | $512 | 1.86% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | WYSSTA INSURANCE COMPANY, INC. | $1K | — | $1K | 7.43% |
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 | 239 | 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) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 446 | $2.2M |
| Vision | WYSSTA INSURANCE COMPANY, INC. | 119 | $16K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 239 | $72K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 85 | $39K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 239 | $28K |
| Prescription drug | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 446 | $2.2M |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 260 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 446 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.