| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $77K | $77K | 3.08% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $33K | — | $33K | 1.47% |
| W B A-EMPLOYEE BENEFITS CORP3 Filed as: W B A - EMPLOYEE BENEFITS CORP | 4721 S BILTMORE LN MADISON, WI 53718 | DELTA DENTAL OF WISCONSIN | $18K | — | $18K | 5.11% |
| M3 INSURANCE SOLUTIONS INC3 | PO BOX 8950 MADISON, WI 53708 | STANDARD INSURANCE COMPANY | — | $6K | $6K | 3.60% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | — | $377 | $377 | 0.24% |
| M3 INS SOLUTIONS INC3 | PO BOX 8950 MADISON, WI 53708 | STANDARD INSURANCE COMPANY | $5K | $5K | $9K | 6.29% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $0 | $330 | $330 | 0.22% |
| M3 INSURANCE SOLUTIONS INC3 | PO BOX 8950 MADISON, WI 53708 | STANDARD INSURANCE COMPANY | $5K | $4K | $10K | 7.16% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $0 | $299 | $299 | 0.22% |
| WBA EMPLOYEE BENEFITS CORP3 Filed as: WBA-EMPLOYEE BENEFIT CORP | 4721 S. BILTMORE LANE MADISON, WI 53718 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 9.99% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | STANDARD INSURANCE COMPANY | $7K | $1K | $8K | 20.84% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $0 | $73 | $73 | 0.20% |
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 | 362 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 373 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 316 | $4.7M |
| Dental | DELTA DENTAL OF WISCONSIN | 326 | $345K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,018 | $47K |
| Life insurance | STANDARD INSURANCE COMPANY | 364 | $157K |
| Short-term disability | STANDARD INSURANCE COMPANY | 368 | $150K |
| Long-term disability | STANDARD INSURANCE COMPANY | 368 | $138K |
| Prescription drug | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 316 | $2.2M |
| Other(2 contracts) | STANDARD INSURANCE COMPANY | 364 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,018 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.