| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | P.O. BOX 8950 MADISON, WI 53708 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 6.69% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62817 VIRGINIA BEACH, VA 23466 | UNITED HEALTHCARE INSURANCE COMPANY | $423 | — | $423 | 1.68% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DR. KIMBERLY, WI 541362142 | UNITED HEALTHCARE INSURANCE COMPANY | $397 | — | $397 | 1.58% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SERVICES LLC | — | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 6.69% |
| USI INSURANCE SERVICES LLC3 | — | UNITED HEALTHCARE INSURANCE COMPANY | $364 | — | $364 | 1.66% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | UNITED HEALTHCARE INSURANCE COMPANY | $359 | — | $359 | 1.64% |
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 | 147 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 96 | $25K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 142 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.