| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS | 828 JOHN NOLEN DR MADISON, WI 53713 | UNITED HEALTHCARE INSURANCE COMPANY | — | $9K | $9K | 0.29% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | ANTHEM LIFE INSURANCE COMPANY | $15K | $3K | $19K | 15.16% |
| ASSURANCE AGENCY LTD3 | 1750 E GOLF RD 11TH FLOOR SCHAUMBURG, IL 60173 | ANTHEM LIFE INSURANCE COMPANY | -$2K | — | -$2K | -1.36% |
| M3 INSURANCE SOLUTIONS INC3 | PO BOX 8950 MADISON, WI 537088950 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | BLUE CROSS BLUE SHIELD OF WISCONSIN | $5K | — | $5K | 21.26% |
| ASSURANCE AGENCY LTD3 | 1750 E GOLF ROAD 11TH FLOOR SCHAUMBURG, IL 60173 | BLUE CROSS BLUE SHIELD OF WISCONSIN | -$2K | — | -$2K | -7.25% |
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 | 295 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 614 | $3.2M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 614 | $3.2M |
| Vision | BLUE CROSS BLUE SHIELD OF WISCONSIN | 690 | $24K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 295 | $122K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 295 | $122K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 295 | $122K |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 295 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 690 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.