| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | CAREFIRST BLUECHOICE, INC. | $42K | $0 | $42K | 2.15% |
| MATHER & STROHL ADMIN SVC INC5 Filed as: MATHER & STROHL ADMIN. SERVICES | 12404 PARK CENTRAL DRIVE, SUITE 400 DALLAS, TX 75251 | CAREFIRST BLUECHOICE, INC. | $0 | $9K | $9K | 0.45% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 6952 ROTE ROAD ROCKFORD, IL 61107 | AMERITAS LIFE INSURANCE CORPORATION | $6K | $382 | $6K | 3.56% |
| FINDLEY DAVIES AGENCY, LLC3 | 1 SEAGATE, SUITE 2050 TOLEDO, OH 43604 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 9.98% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | HARTFORD LIFE AND ACCIDENT | $33 | $9 | $42 | 19.27% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 210 | $1.9M |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 248 | $168K |
| Life insurance | STANDARD INSURANCE COMPANY | 135 | $46K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 112 | $7K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 210 | $1.9M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 135 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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.