| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMY OLSON3 | M3 INSURANCE SOLUTIONS INC 828 JOHN NOLEN DRIVE MADISON, WI 53713 | GROUP HEALTH COOPERATIVE OF SOUTH CENTRAL WISCONSIN | $84K | — | $84K | 1.93% |
| M3 INSURANCE SOLUTIONS INC3 | ATTN MELISSA WEISS 828 JOHN NOLEN DRIVE MADISON, WI 53713 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 10.00% |
| M3 INSURANCE SOLUTIONS INC3 | ATTN MELISSA WEISS 828 JOHN NOLEN DRIVE MADISON, WI 53713 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 7.16% |
| M3 INSURANCE SOLUTIONS INC3 | ATTN MELISSA WEISS 828 JOHN NOLEN DRIVE MADISON, WI 53713 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 5.00% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | WYSSTA INSURANCE COMPANY INC | $3K | — | $3K | 8.20% |
| M3 INSURANCE SOLUTIONS INC3 | ATTN MELISSA WEISS 828 JOHN NOLEN DRIVE MADISON, WI 53713 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| M3 INSURANCE SOLUTIONS INC3 | ATTN MELISSA WEISS 828 JOHN NOLEN DRIVE MADISON, WI 53713 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $87 | $2K | 15.84% |
| REBECCA A BAERTSCHI3 | 209 WEST MAIN STREET BROOKLYN, WI 53521 | AFLAC | $279 | $43 | $322 | 6.44% |
| DEANNA M GILLETT3 | 205 WEST COURT STREET ELKHORN, WI 53121 | AFLAC | $149 | — | $149 | 2.98% |
| MICHAEL FRASIER3 | 4001 FELLAND ROAD SUITE 113 MADISON, WI 53718 | AFLAC | $78 | $9 | $87 | 1.74% |
| MICHAEL E MILLARD3 | WEST 3648 SCOTCH BUSH ROAD ELKHORN, WI 53121 | AFLAC | $60 | — | $60 | 1.20% |
| CASEY J HIGGINS3 | 3083 LYMANS RUN SUN PRAIRIE, WI 53590 | AFLAC | $45 | $9 | $54 | 1.08% |
| RONALD E EICHSTAEDT3 | 75 NORTH OAK STREET APT 205 PLATTEVILLE, WI 53818 | AFLAC | $29 | — | $29 | 0.58% |
| BRAD M PINCHART3 | 6696 PRAIRIE CREEK ROAD WINDSOR, WI 53598 | AFLAC | $16 | — | $16 | 0.32% |
| GAIL ANN WISEMAN3 | 4201 WANETAH TRAIL MADISON, WI 53711 | AFLAC | $10 | — | $10 | 0.20% |
| GLEN T SCHWEIKERT3 | 2211 HIGHLAND SPRINGS PLACE LOUISVILLE, KY 40245 | AFLAC | $9 | — | $9 | 0.18% |
| JASON SCZEPANIAK3 | 1161 HERITAGE COURT SUN PRAIRIE, WI 53590 | AFLAC | $9 | — | $9 | 0.18% |
| AMY KNUTSON3 | 421 HIGGINS DRIVE EVANSVILLE, WI 53536 | AFLAC | $8 | — | $8 | 0.16% |
| AMY KNUTSON3 | 421 HIGGINS DRIVE EVANSVILLE, WI 53536 | AFLAC | $8 | — | $8 | 0.16% |
| CHRISTOPHER J ZELLNER3 | 918 ALDORA LANE WAUNAKEE, WI 53597 | AFLAC | $6 | — | $6 | 0.12% |
| ROSS C NELSON3 | 440 REGENCY PARKWAY DRIVE SUITE 234 OMAHA, NE 68114 | AFLAC | $6 | — | $6 | 0.12% |
| GAIL ANN WISEMAN3 | 4201 WANETAH TRAIL MADISON, WI 53711 | AFLAC | $5 | — | $5 | 0.10% |
| ELIZABETH A LENZO3 | 701 ALBEROSKY WAY BATAVIA, IL 60510 | AFLAC | $5 | — | $5 | 0.10% |
| WILLIAM F MURRAY III3 | 1298 SAINT PATRICK WAY SUN PRAIRIE, WI 53590 | AFLAC | $3 | — | $3 | 0.06% |
| ELIZABETH A LENZO3 | 11177 JASMIN DRIVE ROSCOE, IA 61073 | AFLAC | $2 | — | $2 | 0.04% |
| CHRISTOPHER P DOOLEY3 | 2903 NORTHWINDS DRIVE EAU CLAIRE, WI 54701 | AFLAC | $2 | — | $2 | 0.04% |
| ROSS C NELSON3 | 4611 SOUTH 96TH STREET SUITE 100 OMAHA, NE 68127 | AFLAC | $1 | — | $1 | 0.02% |
| KENNETH J HOFFMAN3 | N65W 13544 COBBLESTONE COURT MENOMONEE FALLS, WI 53051 | AFLAC | $1 | — | $1 | 0.02% |
| NATHAN BRONSON3 Filed as: NATHAN A BRONSON | W217N5386 TAYLORS WOODS DRIVE MENOMONEE FALLS, WI 53051 | AFLAC | $1 | — | $1 | 0.02% |
| ELIZABETH A LENZO3 | 1840 VIA DEL REY SOUTH PASADENA, CA 91030 | AFLAC | $1 | — | $1 | 0.02% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | DELTA DENTAL OF WISCONSIN | $43 | — | $43 | 3.00% |
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 | 391 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 401 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GROUP HEALTH COOPERATIVE OF SOUTH CENTRAL WISCONSIN | 282 | $4.4M |
| Dental | DELTA DENTAL OF WISCONSIN | 2 | $1K |
| Vision | WYSSTA INSURANCE COMPANY INC | 182 | $39K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 391 | $80K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 123 | $65K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 390 | $65K |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 391 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 391 | — |
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.