| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | HUMANA WISCONSIN HEALTH ORG INS CORP | $25K | $2K | $27K | 3.23% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | HUMANA INSURANCE COMPANY | $5K | $87 | $5K | 10.06% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 14.92% |
| THE CASON GROUP INC3 | BOX 11229 COLUMBIA, SC 29211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $763 | — | $763 | 5.00% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $706 | — | $706 | 9.99% |
| THE CASON GROUP INC3 | BOX 11229 COLUMBIA, SC 29211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $353 | — | $353 | 5.00% |
| THE CASON GROUP INC3 | BOX 11229 COLUMBIA, SC 29211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $594 | $248 | $842 | 17.02% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $396 | — | $396 | 8.00% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 N MILDRED AVE #3 CHICAGO, ID 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $74 | — | $74 | 1.50% |
| THE CASON GROUP INC3 | BOX 11229 COLUMBIA, SC 29211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $498 | $208 | $706 | 17.01% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $332 | — | $332 | 8.00% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 N MILDRED AVE #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $62 | — | $62 | 1.49% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $368 | — | $368 | 11.01% |
| THE CASON GROUP INC3 | BOX 11229 COLUMBIA, SC 29211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $167 | — | $167 | 5.00% |
| THE CASON GROUP INC3 | BOX 11229 COLUMBIA, SC 29211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $396 | $165 | $561 | 16.98% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $264 | — | $264 | 7.99% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 N MILDRED AVE #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $50 | — | $50 | 1.51% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $75 | — | $75 | 15.06% |
| THE CASON GROUP INC3 | BOX 11229 COLUMBUS, SC 29211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $25 | — | $25 | 5.02% |
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 | 172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA WISCONSIN HEALTH ORG INS CORP | 82 | $842K |
| Dental | HUMANA INSURANCE COMPANY | 77 | $52K |
| Vision | HUMANA INSURANCE COMPANY | 77 | $52K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 167 | $3K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 167 | $15K |
| Other(6 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 167 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.