| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $29K | — | $29K | 1.37% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $60K | $60K | 3.08% |
| W B A-EMPLOYEE BENEFITS CORP3 | 4721 S BILTMORE LN MADISON, WI 53718 | DELTA DENTAL OF WISCONSIN | $15K | — | $15K | 4.75% |
| M3 INS SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | STANDARD INSURANCE COMPANY | $4K | $5K | $9K | 7.19% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | STANDARD INSURANCE COMPANY | — | $5K | $5K | 4.08% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | STANDARD INSURANCE COMPANY | $5K | $4K | $9K | 8.31% |
| WBA EMPLOYEE BENEFITS CORP3 Filed as: WBA-EMPLOYEE BENEFIT CORP | 4721 S. BILTMORE LANE MADISON, WI 53718 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 10.86% |
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 | 344 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 350 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 345 | $4.0M |
| Dental | DELTA DENTAL OF WISCONSIN | 295 | $310K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 620 | $41K |
| Life insurance | STANDARD INSURANCE COMPANY | 341 | $125K |
| Short-term disability | STANDARD INSURANCE COMPANY | 343 | $126K |
| Long-term disability | STANDARD INSURANCE COMPANY | 343 | $112K |
| Prescription drug | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 345 | $2.1M |
| Other | STANDARD INSURANCE COMPANY | 341 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 620 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.