| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $19K | — | $19K | 2.34% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | DELTA DENTAL OF WISCONSIN | $5K | — | $5K | 6.87% |
| M3 INSURANCE SOLUTIONS INC3 | PO BOX 8950 828 JOHN NOLEN DRIVE MADISON, WI 53708 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $476 | $3K | 10.17% |
| M3 INSURANCE SOLUTIONS INC3 | PO BOX 8950 828 JOHN NOLEN DRIVE MADISON, WI 53708 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $253 | $3K | 15.81% |
| M3 INSURANCE SOLUTIONS INC3 | PO BOX 8950 828 JOHN NOLEN DRIVE MADISON, WI 53708 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $183 | $1K | 11.49% |
| M3 INSURANCE SOLUTIONS INC3 | PO BOX 8950 828 JOHN NOLEN DRIVE MADISON, WI 53708 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $133 | $1K | 11.24% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLAN DRIVE SUITE 300 MADISON, WI 53713 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $308 | $2K | 23.61% |
| THIRD COAST ADVISORS INC3 | 1166 QUAIL COURT #100 PEWAUKEE, WI 53072 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19 | — | $19 | 0.20% |
| C2 CENTRIC LLC3 | 11740 SOUTHWEST 68TH PARKWAY SUITE 2 PORTLAND, OR 97223 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8 | — | $8 | 0.09% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | WYSSTA INSURANCE COMPANY INC | $722 | — | $722 | 7.99% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 186 | $822K |
| Dental | DELTA DENTAL OF WISCONSIN | 86 | $71K |
| Vision | WYSSTA INSURANCE COMPANY INC | 75 | $9K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 133 | $23K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 133 | $32K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 133 | $17K |
| Prescription drug | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 186 | $822K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 133 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.