| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | $26K | — | $26K | 2.28% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | BLUE CROSS BLUE SHIELD OF WISCONSIN | $5K | $2K | $8K | 3.26% |
| M3 INSURANCE SOLUTIONS INC3 | P O BOX 8950 828 JOHN NOLEN DRIVE MADISON, WI 537088950 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $1K | $4K | 14.45% |
| M3 INSURANCE SOLUTIONS INC3 | P O BOX 8950 828 JOHN NOLEN DRIVE MADISON, WI 537088950 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $214 | $3K | 16.04% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | WYSSTA INSURANCE COMPANY INC | $937 | — | $937 | 8.10% |
| M3 INSURANCE SOLUTIONS INC3 | P O BOX 8950 828 JOHN NOLEN DRIVE MADISON, WI 537088950 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $153 | $1K | 12.40% |
| M3 INSURANCE SOLUTIONS INC3 | P O BOX 8950 828 JOHN NOLEN DRIVE MADISON, WI 537088950 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $996 | $216 | $1K | 18.26% |
| M3 INSURANCE SOLUTIONS INC3 | P O BOX 8950 828 JOHN NOLEN DRIVE MADISON, WI 537088950 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $214 | $99 | $313 | 14.65% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | HARTFORD LIFE AND ACCIDENT | $253 | $25 | $278 | 16.50% |
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | 60 | $1.4M |
| Vision(3 contracts, 3 carriers) | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | 98 | $1.4M |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 138 | $37K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 138 | $16K |
| Other(5 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 138 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.