| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | HUMANA INSURANCE COMPANY | $5K | $590 | $6K | 10.81% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $610 | $2K | 19.60% |
| THE CASON GROUP INC3 | BOX 11229 COLUMBIA, SC 29211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $593 | — | $593 | 5.00% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $624 | $283 | $907 | 14.54% |
| THE CASON GROUP INC3 | BOX 11229 COLUMBIA, SC 29211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $312 | — | $312 | 5.00% |
| THE CASON GROUP INC3 | BOX 11229 COLUMBIA, SC 29211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $382 | $159 | $541 | 19.43% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $255 | — | $255 | 9.16% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 N MILDRED AVE #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $48 | — | $48 | 1.72% |
| THE CASON GROUP INC3 | BOX 11229 COLUMBIA, SC 29211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $318 | $132 | $450 | 16.99% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $212 | — | $212 | 8.01% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 N MILDRED AVE #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $40 | — | $40 | 1.51% |
| THE CASON GROUP INC3 | BOX 11229 COLUMBIA, SC 29211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $234 | $97 | $331 | 16.98% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $156 | — | $156 | 8.00% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 N MILDRED AVE #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $29 | — | $29 | 1.49% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $173 | $134 | $307 | 19.53% |
| THE CASON GROUP INC3 | BOX 11229 COLUMBIA, SC 29211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $79 | — | $79 | 5.03% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $71 | — | $71 | 15.04% |
| THE CASON GROUP INC3 | BOX 11229 COLUMBUS, SC 29211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $24 | — | $24 | 5.08% |
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 | 147 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 77 | $52K |
| Vision | HUMANA INSURANCE COMPANY | 77 | $52K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 147 | $2K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 147 | $12K |
| Other(6 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 147 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.