| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLAN DR MADISON, WI 53713 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $63K | — | $63K | 1.97% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLAN DR MADISON, WI 537131424 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $4K | $28K | 11.28% |
| GROUP INSURANCE SERVICES INC3 | PO BOX 901 NAPERVILLE, IL 605660901 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $2K | $3K | 1.21% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 328013277 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.63% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | -$16K | $673 | -$15K | -6.30% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLAN DR MADISON, WI 53713 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 12.50% |
| THE ULTIMATE SOFTWARE GROUP3 Filed as: ULTIMATE SOFTWARE GROUP | 1485 NORTH PARK DRIVE WESTON, FL 33326 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $246 | $246 | 3.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $123 | $123 | 1.50% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLAN DR MADISON, WI 53713 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $434 | — | $434 | 6.08% |
| THE ULTIMATE SOFTWARE GROUP3 Filed as: ULTIMATE SOFTWARE GROUP | 1485 NORTH PARK DRIVE WESTON, FL 33326 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $214 | $214 | 3.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $69 | $69 | 0.97% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLAN DR MADISON, WI 53713 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $686 | — | $686 | 15.00% |
| THE ULTIMATE SOFTWARE GROUP3 Filed as: ULTIMATE SOFTWARE GROUP | 1485 NORTH PARK DRIVE WESTON, FL 33326 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $137 | $137 | 3.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $69 | $69 | 1.51% |
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 | 397 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 401 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 338 | $244K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 367 | $251K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 338 | $248K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 370 | $252K |
| Prescription drug | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 459 | $3.2M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 724 | $260K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 724 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.