| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | HCC LIFE INSURANCE COMPANY | $15K | — | $15K | 2.50% |
| C2 CENTRIC LLC3 Filed as: C2 CENTRIC, LLC | 2209 GODWIN AVENUE SE GRAND RAPIDS, MI 49507 | HCC LIFE INSURANCE COMPANY | $6K | — | $6K | 1.00% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 1872 MID VALLEY ROAD DE PERE, WI 54115 | HCC LIFE INSURANCE COMPANY | $3K | — | $3K | 0.50% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | PO BOX 10951 GREEN BAY, WI 543070951 | DELTA DENTAL OF WISCONSIN | $2K | — | $2K | 0.88% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | PO BOX 10951 GREEN BAY, WI 543070951 | DELTA DENTAL OF WISCONSIN | $1K | — | $1K | 1.44% |
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 | 605 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 611 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF WISCONSIN | 298 | $307K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 773 | $55K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 619 | $375K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 619 | $375K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 619 | $375K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 459 | $612K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 623 | $393K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 773 | — |
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.