| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLAN DRIVE MADISON, WI 53713 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $16K | — | $16K | 1.94% |
| BRANDON D VEIT3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | WISCONSIN PHYSICIANS SERVICE INSURANCE CORPORATION | $6K | — | $6K | 2.09% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | DELTA DENTAL OF WISCONSIN | $4K | — | $4K | 6.77% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLAN DRIVE-SUITE 300 MADISON, WI 53713 | GUARDIAN LIFE INSURANCE COMPANY | $7K | $4K | $10K | 18.98% |
| WATCHTOWER BENEFITS, LLC3 | 2734 N MILDRED AVE - #3 CHICAGO, IL 60618 | GUARDIAN LIFE INSURANCE COMPANY | $819 | — | $819 | 1.50% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | WYSSTA INSURANCE COMPANY, INC. | $463 | — | $463 | 8.01% |
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 | 106 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 130 | $1.1M |
| Dental | DELTA DENTAL OF WISCONSIN | 67 | $63K |
| Vision | WYSSTA INSURANCE COMPANY, INC. | 48 | $6K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 106 | $55K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 106 | $55K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 106 | $55K |
| Prescription drug | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 130 | $844K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 106 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.