| 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 | GROUP HEALTH COOPERATIVE OF SOUTH CENTRAL WISCONSIN | $48K | — | $48K | 1.93% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | DELTA DENTAL OF WISCONSIN | $10K | — | $10K | 3.19% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 10.00% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53593 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 5.00% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 8.78% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | WYSSTA INSURANCE COMPANY | $4K | — | $4K | 8.13% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | DELTA DENTAL OF WISCONSIN | $1K | — | $1K | 3.20% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 8.00% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | DELTA DENTAL OF WISCONSIN | $1K | — | $1K | 3.19% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | DELTA DENTAL OF WISCONSIN | $726 | — | $726 | 3.14% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 13.56% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | DELTA DENTAL OF WISCONSIN | $50 | — | $50 | 3.15% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | DELTA DENTAL OF WISCONSIN | $28 | — | $28 | 3.10% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $42 | — | $42 | 8.08% |
| REBECCA A BAERTSCHI3 | 209 W MAIN ST BROOKLYN, WI 53521 | AFLAC | $2K | $36 | $2K | — |
| BRAD M PINCHART3 Filed as: BRAD PINCHART | 6696 PRAIRIE CREEK RD WINDSOR, WI 53598 | AFLAC | $425 | $0 | $425 | — |
| MICHAEL FRASIER3 | 258 CORPORATE DRIVE STE 200 MADISON, WI 53714 | AFLAC | $357 | $7 | $364 | — |
| DEANNA M GILLETT3 | 205 W COURT ST ELKHORN, WI 53121 | AFLAC | $111 | $0 | $111 | — |
| CASEY J HIGGINS3 | 9347 LIZARD ROCK TRL COLORADO SPRINGS, CO 80924 | AFLAC | $48 | $7 | $55 | — |
| MICHAEL E MILLARD3 | W3648 SCOTCH BUSH RD ELKHORN, WI 53121 | AFLAC | $53 | $0 | $53 | — |
| RONALD E EICHSTAEDT3 | 75 N OAK ST APT 205 PLATTEVILLE, WI 53818 | AFLAC | $31 | $0 | $31 | — |
| GAIL ANN WISEMAN3 | 4201 WANETAH TRL MADISON, WI 53711 | AFLAC | $17 | $0 | $17 | — |
| ELIZABETH A LENZO3 Filed as: ELIZABETH LENZO | 701 ALBEROSKY WAY BATAVIA, IL 60510 | AFLAC | $8 | — | $8 | — |
| JASON SCZEPANIAK3 | 1161 HERITAGE CT SUN PRAIRIE, WI 53590 | AFLAC | $7 | — | $7 | — |
| ROSS C NELSON3 | 440 REGENCY PARKWAY DR STE 234 OMAHA, NE 68114 | AFLAC | $7 | — | $7 | — |
| GLEN T SCHWEIKERT3 | 2211 HIGHLAND SPRINGS PL LOUISVILLE, KY 40245 | AFLAC | $4 | — | $4 | — |
| WILLIAM F MURRAY III3 | 1298 SAINT PATRICK WAY SUN PRAIRIE, WI 53590 | AFLAC | $2 | — | $2 | — |
| CHRISTOPHER P DOOLEY3 Filed as: CHRISTOPHER DOOLEY | 2903 NORTHWINDS DR EAU CLAIRE, WI 54701 | AFLAC | $2 | — | $2 | — |
| KENNETH J HOFFMAN3 | N65 W13544 COBBLESTONE CT MENOMONEE FALLS, WI 53051 | AFLAC | $1 | — | $1 | — |
| NATHAN BRONSON3 Filed as: NATHAN A BRONSON | W217 N5386 TAYLORS WOODS DR MENOMONEE FALLS, WI 53051 | AFLAC | $1 | — | $1 | — |
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 | 458 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 464 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GROUP HEALTH COOPERATIVE OF SOUTH CENTRAL WISCONSIN | 602 | $2.6M |
| Dental(7 contracts, 2 carriers) | DELTA DENTAL OF WISCONSIN | 387 | $449K |
| Vision | WYSSTA INSURANCE COMPANY | 381 | $52K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 458 | $75K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 170 | $56K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,583 | $52K |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 458 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,583 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.