| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | HCC LIFE INSURANCE COMPANY | — | $4K | $4K | 0.62% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | DELTA DENTAL OF WISCONSIN | $9K | — | $9K | 9.13% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | — | $16K | 20.00% |
| GROVE, MARC, A3 Filed as: GROVE, MARC | 25900 AUTUMN WAY ROGERS, MN 55374 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 20.00% |
| GROVE, MARC, A3 Filed as: GROVE, MARC | 25900 AUTUMN WAY ROGERS, MN 55374 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| GROVE, MARC, A3 Filed as: GROVE, MARC | 25900 AUTUMN WAY ROGERS, MN 55374 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 43.00% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 7.40% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 NORTH MILDRED AVE., #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $308 | $308 | 1.50% |
| GROVE, MARC, A3 Filed as: GROVE, MARC | 25900 AUTUMN WAY ROGERS, MN 55374 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 43.00% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 7.40% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 NORTH MILDRED AVE., #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $304 | $304 | 1.50% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | WYSSTA INSURANCE COMPANY INC | $2K | — | $2K | 8.03% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 9.05% |
| GROVE, MARC, A3 Filed as: GROVE, MARC | 25900 AUTUMN WAY ROGERS, MN 55374 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $882 | — | $882 | 5.00% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| GROVE, MARC, A3 Filed as: GROVE, MARC | 25900 AUTUMN WAY ROGERS, MN 55374 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $676 | — | $676 | 5.00% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $138 | — | $138 | 5.00% |
| GROVE, MARC, A3 Filed as: GROVE, MARC | 25900 AUTUMN WAY ROGERS, MN 55374 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $138 | — | $138 | 5.00% |
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 | 275 | 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) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WISCONSIN | 190 | $102K |
| Vision | WYSSTA INSURANCE COMPANY INC | 158 | $19K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 255 | $57K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 130 | $79K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 42 | $14K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 191 | $670K |
| Other(5 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 255 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.