| 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 | $18K | — | $18K | 1.93% |
| M3 INSURANCE SOLUTIONS INC3 | PO BOX 8950 828 JOHN NOLEN DRIVE MADISON, WI 53708 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $780 | $4K | 10.59% |
| M3 INSURANCE SOLUTIONS INC3 | PO BOX 8950 828 JOHN NOLEN DRIVE MADISON, WI 53708 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $414 | $3K | 16.16% |
| M3 INSURANCE SOLUTIONS INC3 | PO BOX 8950 828 JOHN NOLEN DRIVE MADISON, WI 53708 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $267 | $2K | 11.86% |
| M3 INSURANCE SOLUTIONS INC3 | PO BOX 8950 828 JOHN NOLEN DRIVE MADISON, WI 53708 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $306 | $2K | 11.83% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLAN DRIVE SUITE 300 MADISON, WI 53713 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $111 | $2K | 21.30% |
| THIRD COAST ADVISORS INC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22 | — | $22 | 0.20% |
| C2 CENTRIC LLC3 | 11740 SOUTHWEST 68TH PARKWAY SUITE 2 PORTLAND, OR 97223 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11 | — | $11 | 0.10% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | WYSSTA INSURANCE COMPANY INC | $694 | — | $694 | 8.56% |
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 | 108 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 182 | $932K |
| Vision | WYSSTA INSURANCE COMPANY INC | 72 | $8K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 109 | $29K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 109 | $35K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 109 | $19K |
| Prescription drug | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 182 | $932K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 109 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.