Welfare broker

M3 INSURANCE SOLUTIONS INC

Mailing address (most recent filing)

3850 EAST BASELINE ROAD, SUITE 106

MESA, AZ 85206

Carrier mix

Where M3 INSURANCE SOLUTIONS INC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
QUARTZ HEALTH BENEFIT PLANS CORPORATION	41	$203.3M	19.1%
DEAN HEALTH PLAN INC	28	$76.2M	13.0%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	25	$5.3M	11.6%
HCC LIFE INSURANCE COMPANY	24	$20.4M	11.2%
UNITEDHEALTHCARE INSURANCE COMPANY	23	$30.9M	10.7%
BLUE CROSS OF CALIFORNIA	21	$45.5M	9.8%
DELTA DENTAL OF CALIFORNIA	19	$7.0M	8.8%
STANDARD INSURANCE COMPANY	16	$8.6M	7.4%
HARTFORD LIFE AND ACCIDENT	9	$2.8M	4.2%
SUN LIFE ASSURANCE COMPANY OF CANADA	9	$6.5M	4.2%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
WI	273	$459.3M	12.5%	47.35x
IL	12	$15.3M	0.3%	1.12x
CA	3	$2.0M	0.0%	0.13x
TX	2	$725K	0.0%	0.11x
NY	2	$2.5M	0.0%	0.13x
NV	2	$707K	0.4%	1.48x
MI	2	$3.3M	0.1%	0.27x
MD	2	$1.4M	0.1%	0.47x
GA	2	$2.5M	0.0%	0.10x
FL	2	$4.7M	0.0%	0.17x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of M3 INSURANCE SOLUTIONS INC's plans by broker comp / premium ratio. Median 5.20% vs welfare-wide median 6.29% (n=305).

Prospect-flag exposure · vs market baseline

Share of M3 INSURANCE SOLUTIONS INC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

301-306 of 306 sponsors where M3 INSURANCE SOLUTIONS INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
SUSSEX IM, INC. SUSSEX IM, INC. EMPLOYEE BENEFITS PLAN	WI	$444K	$2K	COMPCARE HEALTH SERVICES INSURANCE CORPORATION
KORU HEALTH LLC KORU HEALTH LLC LIFE INSURANCE PLAN	WI	$10K	$1K	GUARDIAN
LEADCAR SYSTEMS, INC. LEADCAR SYSTEMS, INC. GROUP VISION PLAN	WI	$10K	$997	UNITEDHEALTHCARE INSURANCE COMPANY
ALSUM FARMS & PRODUCE, INC. ALSUM FARMS & PRODUCE, INC. LIFE INSURANCE PLAN	WI	$2K	$339	UNITED OF OMAHA LIFE INSURANCE COMPANY
QUARTZ HEALTH SOLUTIONS, INC. QUARTZ BUSINESS TRAVEL	WI	$2K	$22	FEDERAL INSURANCE COMPANY
CENTRAL VALLEY ENGINEERING & ASPHAL ASPHALT, INC. CENTRAL VALLEY ENGINEERING & ASPHALT, INC. INSURANCE PROGRAM	CA	$805K	$0	SUTTER HEALTH