| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $119K | $47K | $166K | 14.00% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DR KIMBERLY, WI 54136 | UNITEDHEALTHCARE INSURANCE COMPANY | -$1 | — | -$1 | -0.00% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $98K | $39K | $137K | 14.00% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $106K | $17K | $123K | 29.00% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $84K | $13K | $97K | 29.00% |
| JODI ROTH3 | PROADVISOR INSURANCE AGENCY LLC 26026 TELEGRAPH STE 101 SOUTHFIELD, MI 48033 | BLUE CARE NETWORK OF MICHIGAN | $11K | — | $11K | 4.45% |
| ACTION BENEFITS COMPANY3 Filed as: ACTION BENEFITS | 26533 EVERGREEN RD SOUTHFIELD, MI 48076 | BLUE CARE NETWORK OF MICHIGAN | $2K | — | $2K | 0.89% |
| JODI ROTH3 | PROADVISOR INSURANCE AGENCY LLC 26026 TELEGRAPH STE 101 SOUTHFIELD, MI 48033 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $10K | — | $10K | 4.52% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $5K | $17K | 14.00% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.00% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $507 | $203 | $710 | 14.02% |
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 | 6,665 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 242 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,907 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 48 | $619K |
| Dental | UNIVERSITY HEALTH ALLIANCE | 23 | $138K |
| Vision(4 contracts, 3 carriers) | EYE MED | 10,126 | $797K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 6,392 | $1.2M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 13 | $5K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,079 | $982K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 48 | $392K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 11,087 | $1.1M |
| Other(6 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 6,788 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,087 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.