| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | HCC LIFE INSURANCE COMPANY | $49K | $14K | $63K | 12.39% |
| C2 CENTRIC LLC3 Filed as: C2 CENTRIC, LLC | PO BOX 6824 GRAND RAPIDS, MI 49516 | HCC LIFE INSURANCE COMPANY | — | $5K | $5K | 0.90% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | STANDARD INSURANCE COMPANY | $4K | $1K | $5K | 14.01% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $286 | $286 | 0.74% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | STANDARD INSURANCE COMPANY | $2K | $1K | $4K | 10.78% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $251 | $251 | 0.73% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | STANDARD INSURANCE COMPANY | $2K | $1K | $4K | 10.77% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $243 | $243 | 0.72% |
| JENNON CARUTH3 | 1331 HEATHER CT CHANHASSEN, MN 55317 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 15.10% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | STANDARD INSURANCE COMPANY | $2K | $406 | $3K | 8.70% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $320 | $320 | 0.99% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | SUPERIOR VISION PLAN | $3K | — | $3K | 10.01% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | CARE-PLUS DENTAL PLANS, INC. | $1K | — | $1K | 6.00% |
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 | 223 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CARE-PLUS DENTAL PLANS, INC. | 48 | $22K |
| Vision | SUPERIOR VISION PLAN | 221 | $27K |
| Life insurance | STANDARD INSURANCE COMPANY | 228 | $35K |
| Short-term disability | STANDARD INSURANCE COMPANY | 228 | $34K |
| Long-term disability | STANDARD INSURANCE COMPANY | 228 | $39K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 150 | $510K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 240 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.