| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | BLUECROSS BLUESHIELD OF ILLINOIS | $21K | $323 | $22K | 4.01% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | DEAN HEALTH PLAN INC | $10K | — | $10K | 2.82% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | DELTA DENTAL OF ILLINOIS | $4K | — | $4K | 7.23% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | STANDARD | $2K | $1K | $3K | 10.71% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S #710 BLOOMINGTON, MN 55439 | STANDARD | — | $1K | $1K | 3.85% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S #710 BLOOMINGTON, MN 55439 | STANDARD INSURANCE COMPANY | $10K | $2K | $11K | 44.52% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | STANDARD INSURANCE COMPANY | $2K | $459 | $2K | 9.56% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | STANDARD INSURANCE COMPANY | $1K | $571 | $2K | 15.76% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S #710 BLOOMINGTON, MN 55439 | STANDARD INSURANCE COMPANY | — | $444 | $444 | 4.00% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | STANDARD INSURANCE COMPANY | $2K | $781 | $2K | 22.51% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S #710 BLOOMINGTON, MN 55439 | STANDARD INSURANCE COMPANY | — | $416 | $416 | 4.00% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | VISION SERVICE PLAN | $542 | — | $542 | 7.83% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $14 | — | $14 | 0.20% |
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 | 119 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 65 | $881K |
| Dental | DELTA DENTAL OF ILLINOIS | 70 | $57K |
| Vision | VISION SERVICE PLAN | 52 | $7K |
| Life insurance | STANDARD | 129 | $31K |
| Short-term disability | STANDARD INSURANCE COMPANY | 31 | $11K |
| Long-term disability | STANDARD INSURANCE COMPANY | 21 | $10K |
| Other(2 contracts, 2 carriers) | STANDARD | 131 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.