| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DR MADISON, WI 53713 | HCC LIFE INSURANCE COMPANY | — | $8K | $8K | 0.72% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DR MADISON, WI 53713 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 3.39% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE SUITE 300 MADISON, WI 53713 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | $1K | $24K | 10.32% |
| JENNON M CARUTH3 | 1331 HEATHER COURT CHANHASSEN, MN 55317 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 7.89% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 2734 N MILDRED AVE #3 CHICAGO, IL 60618 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 2.74% |
| C2 CENTRIC LLC3 | 11740 SW 68TH PARKWAY, SUITE 2 PORTLAND, OR 97223 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $957 | — | $957 | 0.41% |
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 | 483 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 483 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 592 | $272K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 592 | $272K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 481 | $232K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 481 | $232K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 481 | $232K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 274 | $1.1M |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 481 | $232K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 592 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.