| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MATTHEW BORAY3 | 828 JOHN NOLEN DR MADISON, WI 53713 | WISCONSIN PHYSICIANS SERVICE INSURANCE CORPORATION | $17K | — | $17K | 1.72% |
| MATTHEW BORAY3 | 828 JOHN NOLEN DR MADISON, WI 53713 | WPS HEALTH PLAN INC | $15K | — | $15K | 1.97% |
| MELISSA MARCHAND3 | 127 S 73RD ST MILWAUKEE, WI 53214 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19K | $109 | $19K | 18.55% |
| GARSON FINANCIAL SERVICES S C3 | 929 N ASTOR MILWAUKEE, WI 53202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $204 | $2K | 1.91% |
| JAMIE A CONTRERAS-VESTAL3 | P.O. BOX 1240 DELAND, FL 32721 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $108 | $2K | 1.65% |
| GINAKES & ASSOCIATES LLC3 | 1020 W INTERNATIONAL SPEEDWAY DAYTONA BEACH, FL 32114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $124 | $88 | $212 | 0.20% |
| AGSANT GROUP INC3 | 3724 SOUTH 60TH COURT CICERO, IL 60804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $104 | — | $104 | 0.10% |
| STERLING WEALTH MANAGEMENT LLC3 | W175 N11163 STONEWOOD DR GERMANTOWN, WI 53022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | — | $85 | 0.08% |
| WILLIAM J MORRIS3 | 1116 CANNELL COURT ROCKTON, IL 61072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | DELTA DENTAL OF WISCONSIN | $6K | — | $6K | 9.54% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $424 | $4K | 16.12% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 537131424 | UNITEDHEALTHCARE INSURANCE COMPANY | $967 | $430 | $1K | 15.86% |
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 | 198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WISCONSIN PHYSICIANS SERVICE INSURANCE CORPORATION | 80 | $1.8M |
| Dental | DELTA DENTAL OF WISCONSIN | 55 | $59K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 96 | $9K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 199 | $26K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 79 | $104K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 199 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.