| 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 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $92K | — | $92K | 0.51% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL | — | $2K | $2K | 0.04% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | DBA AON CORPORATION 75 REMITTANCE DRIVE CHICAGO, IL 60675 | AETNA LIFE INSURANCE COMPANY | $115K | — | $115K | 9.80% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | DBA AON CORPORATION 75 REMITTANCE DRIVE CHICAGO, IL 60675 | AETNA LIFE INSURANCE COMPANY | $57K | $8K | $66K | 11.24% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | WYSSTA INSURANCE COMPANY INC | $24K | — | $24K | 7.22% |
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 | 10,698 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 143 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 10,841 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | GROUP HEALTH COOPERATIVE OF SOUTH CENTRAL WISCONSIN | 10,414 | $47.5M |
| Dental(2 contracts) | AETNA LIFE INSURANCE COMPANY | 587 | $1.8M |
| Vision(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 3,351 | $2.1M |
| Life insurance | PRUDENTIAL | 10,698 | $5.2M |
| Short-term disability | PRUDENTIAL | 10,698 | $5.2M |
| Long-term disability | PRUDENTIAL | 10,698 | $5.2M |
| Prescription drug | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 4,263 | $17.9M |
| Other | PRUDENTIAL | 10,698 | $5.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,698 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.