| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53715 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $25K | — | $25K | 1.05% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | WISCONSIN PHYSICIANS SERVICE INSURANCE CORPORATION | $17K | — | $17K | 2.10% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | STANDARD INSURANCE COMPANY | $4K | $3K | $7K | 7.05% |
| KRONOS SAASHR INC3 | 900 CHELMSFORD ST LOWELL, MA 01851 | STANDARD INSURANCE COMPANY | — | $4K | $4K | 4.02% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | — | $217 | $217 | 0.22% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | STANDARD INSURANCE COMPANY | $3K | $2K | $6K | 7.78% |
| KRONOS SAASHR INC3 | 900 CHELMSFORD ST LOWELL, MA 01851 | STANDARD INSURANCE COMPANY | — | $3K | $3K | 4.01% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | — | $156 | $156 | 0.22% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | STANDARD INSURANCE COMPANY | $4K | $2K | $6K | 12.62% |
| KRONOS SAASHR INC3 | 900 CHELMSFORD ST LOWELL, MA 01851 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 4.08% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | — | $118 | $118 | 0.25% |
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 | 296 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WISCONSIN PHYSICIANS SERVICE INSURANCE CORPORATION | 118 | $805K |
| Life insurance | STANDARD INSURANCE COMPANY | 297 | $71K |
| Short-term disability | STANDARD INSURANCE COMPANY | 169 | $97K |
| Long-term disability | STANDARD INSURANCE COMPANY | 214 | $47K |
| Prescription drug | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 424 | $2.4M |
| Other | STANDARD INSURANCE COMPANY | 297 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 424 | — |
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.