| 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 | DEAN HEALTH PLAN, INC. | $20K | — | $20K | 2.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2725 S MOORLAND ROAD NEW BERLIN, WI 53151 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $341 | $3K | 3.85% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | STARMOUNT LIFE INSURANCE COMPANY | $1K | $510 | $2K | 2.57% |
| MARSH & MCLENNAN AGENCY LLC3 | POST OFFICE BOX 510925 NEW BERLIN, WI 53151 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 7.49% |
| MIDWEST SELECT INSURANCE GROUP LLC3 Filed as: MIDWEST SELECT INSURANCE GROUP | 1431 O'KEEFE AVENUE MILWAUKEE, WI 54455 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.64% |
| NICHOLAS KIEKOW3 Filed as: NICHOLAS A. KIEKOW | N27 W23953 PAUL ROAD, SUITE 200 PEWAUKEE, WI 53072 | TRANSAMERICA LIFE INSURANCE COMPANY | $668 | — | $668 | 1.81% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | TRANSAMERICA LIFE INSURANCE COMPANY | $138 | — | $138 | 0.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | POST OFFICE BOX 510925 NEW BERLIN, WI 53151 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | POST OFFICE BOX 510925 NEW BERLIN, WI 53151 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $2K | 12.74% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $632 | — | $632 | 3.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLELLAN AGENCY LLC | POST OFFICE BOX 510925 NEW BERLIN, WI 53151 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $835 | $2K | 16.05% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $693 | — | $693 | 5.09% |
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DEAN HEALTH PLAN, INC. | 194 | $952K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 148 | $77K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 148 | $77K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $18K |
| Short-term disability | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 152 | $36K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $14K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 197 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.