| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNITED OF OMAHA LIFE INSURACE COMPANY | $11K | $4K | $15K | 15.38% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $174 | $2K | 5.61% |
| VALUE ADDED SOLUTIONS3 | 1161 HERITAGE CT SUN PRAIRIE, WI 53590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $864 | $543 | $1K | 4.31% |
| ERICK TAVAREZ3 | 212 SPRINGVIEW DRIVE MARSHALL, WI 53559 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $411 | $492 | $903 | 2.77% |
| JODY ANN WALL3 | 1334 ROCKRIDGE RD APT 331 WAUKESHA, WI 53188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $633 | $3 | $636 | 1.95% |
| MARK HOLZINGER3 | 118 EAST HAMILTON AVENUE EAU CLAIRE, WI 54701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $442 | — | $442 | 1.35% |
| CORCORAN & HOYT LLC3 | 3905 TAMPA ROAD OLDSMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $303 | $20 | $323 | 0.99% |
| GERALD A GREENEN3 | 472 ROUTE 47 STE F-102 SUGAR GROVE, IL 60554 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $139 | $63 | $202 | 0.62% |
| MAGGY SUE LOKKEN3 | 18649 53RD AVE CHIPPEWA FALLS, WI 54729 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | — | $52 | 0.16% |
| J ESSER INSURANCE SERVICES LLC3 | 11650 COUNTY RD T MARSHFIELD, WI 54449 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.06% |
| JAMES CALLAHAN3 | 312 MONTEREY DRIVE BOLINGBROOK, IL 60440 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.05% |
| MARY R ROEMER3 | N16W26577 WILD OATS DR UNIT E PEWAUKEE, WI 53072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $1 | $11 | 0.03% |
| COMMUNICATION GUILD LLC3 | 154 N PARK BLVD GLEN ELLYN, IL 60137 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $2 | $8 | 0.02% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | DELTA DENTAL OF WISCONSIN | $243 | — | $243 | 0.76% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | DELTA DENTAL OF WISCONSIN | $255 | — | $255 | 1.41% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | WYSSTA INSURANCE COMPANY INC. | $1K | — | $1K | 8.03% |
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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF WISCONSIN | 56 | $50K |
| Vision | WYSSTA INSURANCE COMPANY INC. | 85 | $13K |
| Life insurance | UNITED OF OMAHA LIFE INSURACE COMPANY | 139 | $95K |
| Short-term disability | UNITED OF OMAHA LIFE INSURACE COMPANY | 139 | $95K |
| Long-term disability | UNITED OF OMAHA LIFE INSURACE COMPANY | 139 | $95K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURACE COMPANY | 139 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.