| 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 | $27K | — | $27K | 1.07% |
| M3 INS SOLUTIONS INC3 | 1872 MID VELLEY DRIVE DE PERE, WI 54115 | STANDARD INSURANCE COMPANY | $4K | $6K | $10K | 10.06% |
| M3 INS SOLUTIONS INC3 | 1872 MID VALLEY DRIVE DE PERE, WI 54115 | STANDARD INSURANCE COMPANY | $3K | $3K | $6K | 11.71% |
| M3 INS SOLUTIONS INC3 | 1872 MID VALLEY DRIVE DEPERE, WI 54115 | STANDARD INSURANCE COMPANY | $4K | $2K | $6K | 15.62% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | WYSSTA INSURANCE COMPANY, INC. | $2K | — | $2K | 8.34% |
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 | 247 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 488 | $2.5M |
| Vision | WYSSTA INSURANCE COMPANY, INC. | 127 | $19K |
| Life insurance | STANDARD INSURANCE COMPANY | 248 | $95K |
| Short-term disability | STANDARD INSURANCE COMPANY | 103 | $52K |
| Long-term disability | STANDARD INSURANCE COMPANY | 248 | $41K |
| Prescription drug | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 488 | $2.5M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 267 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 488 | — |
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.