| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OLSON, AMY3 | M3 INSURANCE SOLUTIONS INC 828 JOHN NOLEN DRIVE MADISON, WI 53713 | GROUP HEALTH COOPERATIVE OF SOUTH CENTRAL WISCONSIN | $68K | — | $68K | 1.93% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | DELTA DENTAL OF WISCONSIN | $9K | — | $9K | 3.67% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $696 | $5K | 9.87% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | WYSSTA INSURANCE COMPANY INC. | $2K | — | $2K | 8.05% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $853 | $6K | 29.17% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $129 | $1K | 16.85% |
| DEANNA M GILLETT3 | 205 W COURT ST ELKHORN, WI 53121 | AFLAC | $233 | $17 | $250 | 6.65% |
| MICHAEL E MILLARD3 | W3648 SCOTCH BUSH RD ELKHORN, WI 53121 | AFLAC | $56 | — | $56 | 1.49% |
| REBECCA A BAERTSCHI3 | 209 W MAIN ST BROOKLYN, WI 53521 | AFLAC | $33 | — | $33 | 0.88% |
| RONALD E EICHSTAEDT3 | 75 N OAK ST APT 205 PLATTEVILLE, WI 53818 | AFLAC | $27 | — | $27 | 0.72% |
| MICHAEL FRASIER3 | 374 BELLA WAY SUN PRAIRIE, WI 53590 | AFLAC | $24 | $3 | $27 | 0.72% |
| CASEY J HIGGINS3 | 2484 LEOPOLD WAY SUN PRAIRIE, WI 53590 | AFLAC | $15 | $3 | $18 | 0.48% |
| AMY KNUTSON3 | 421 HIGGINS DR EVANSVILLE, WI 53536 | AFLAC | $15 | — | $15 | 0.40% |
| BRAD M PINCHART3 | 6696 PRAIRIE CREEK RD WINDSOR, WI 53598 | AFLAC | $15 | — | $15 | 0.40% |
| GAIL ANN WISEMAN3 | 4201 WANETAH TRAIL MADISON, WI 53711 | AFLAC | $14 | — | $14 | 0.37% |
| GLEN T SCHWEIKERT3 | 2211 HIGHLAND SPRINGS PL LOUISVILLE, KY 40245 | AFLAC | $8 | — | $8 | 0.21% |
| JASAON SCZEPANIAK3 | 1161 HERITAGE CT SUN PRAIRIE, WI 53590 | AFLAC | $8 | — | $8 | 0.21% |
| ROSS C NELSON3 | 4611 S 96TH ST STE 100 OMAHA, NE 68127 | AFLAC | $5 | — | $5 | 0.13% |
| CHRISTOPHER J ZELLNER3 | 918 ALDORA LN WAUNAKEE, WI 53597 | AFLAC | $5 | — | $5 | 0.13% |
| ELIZABETH A LENZO3 | 11177 JASMINE DR ROSCOE, IL 61073 | AFLAC | $4 | — | $4 | 0.11% |
| ELIZABETH A LENZO3 | 265 W NAOMI AVE ARCADIA, CA 91007 | AFLAC | $3 | — | $3 | 0.08% |
| WILLIAM F MURRAY III3 | 1298 ST PATRICK WAY SUN PRAIRIE, WI 53590 | AFLAC | $1 | — | $1 | 0.03% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $668 | $3K | — |
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 | 350 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GROUP HEALTH COOPERATIVE OF SOUTH CENTRAL WISCONSIN | 294 | $3.5M |
| Dental | DELTA DENTAL OF WISCONSIN | 299 | $241K |
| Vision | WYSSTA INSURANCE COMPANY INC. | 149 | $30K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 350 | $20K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 350 | $0 |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 350 | $53K |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 350 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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.