| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | DEAN HEALTH PLAN INC | $27K | $2K | $29K | 1.51% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | DELTA DENTAL OF WISCONSIN | $8K | — | $8K | 4.17% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | STANDARD INSURANCE COMPANY | $7K | $3K | $10K | 11.52% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S #710 BLOOMINGTON, MN 55439 | STANDARD INSURANCE COMPANY | — | $4K | $4K | 4.43% |
| GCG FINANCIAL LLC3 Filed as: CLARITY AN ALERA GROUP COMPANY LLC | PO BOX 46122 EDEN PRAIRIE, MN 55344 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 1.99% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | — | $178 | $178 | 0.20% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | STANDARD INSURANCE COMPANY | $6K | $2K | $8K | 10.32% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S #710 BLOOMINGTON, MN 55439 | STANDARD INSURANCE COMPANY | — | $3K | $3K | 3.54% |
| GCG FINANCIAL LLC3 Filed as: CLARITY AN ALERA GROUP COMPANY LLC | PO BOX 46122 EDEN PRAIRIE, MN 55344 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 2.01% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | — | $152 | $152 | 0.19% |
| GCG FINANCIAL LLC3 Filed as: CLARITY AN ALERA GROUP COMPANY LLC | PO BOX 46122 EDEN PRAIRIE, MN 55344 | STANDARD INSURANCE COMPANY | $4K | $838 | $5K | 9.47% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S #710 BLOOMINGTON, MN 55439 | STANDARD INSURANCE COMPANY | $4K | $1K | $5K | 8.78% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DR MADISON, WI 53713 | STANDARD INSURANCE COMPANY | $4K | $464 | $4K | 7.96% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | — | $31 | $31 | 0.06% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | STANDARD INSURANCE COMPANY | $8K | $1K | $9K | 20.88% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S #710 BLOOMINGTON, MN 55439 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 4.42% |
| GCG FINANCIAL LLC3 Filed as: CLARITY AN ALERA GROUP COMPANY LLC | PO BOX 46122 EDEN PRAIRIE, MN 55344 | STANDARD INSURANCE COMPANY | — | $857 | $857 | 1.99% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | — | $87 | $87 | 0.20% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | WYSSTA INSURANCE COMPANY INC | $1K | — | $1K | 8.03% |
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 | 217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DEAN HEALTH PLAN INC | 149 | $1.9M |
| Dental | DELTA DENTAL OF WISCONSIN | 167 | $195K |
| Vision | WYSSTA INSURANCE COMPANY INC | 135 | $17K |
| Life insurance | STANDARD INSURANCE COMPANY | 209 | $80K |
| Short-term disability | STANDARD INSURANCE COMPANY | 208 | $87K |
| Long-term disability | STANDARD INSURANCE COMPANY | 209 | $43K |
| Other | STANDARD INSURANCE COMPANY | 209 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.