| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | DELTA DENTAL OF WISCONSIN | $4K | — | $4K | 6.99% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 14.52% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $514 | $2K | 14.12% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $510 | $2K | 14.31% |
| ADVANTAGE GROUP GA LLC3 Filed as: ADVANTAGE GROUP MGA, LLC | 510 ALDERSON ST SCHOFIELD, WI 54476 | TRANSAMERICA LIFE INSURANCE COMPANY | $397 | — | $397 | 6.04% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA C WRIGHT | 412 RUDER ST. WAUSAU, WI 54403 | TRANSAMERICA LIFE INSURANCE COMPANY | $135 | — | $135 | 2.05% |
| JOSEPH R JURGENSMIER3 | 130 ETHEL ST WAUSAU, WI 54403 | TRANSAMERICA LIFE INSURANCE COMPANY | $64 | — | $64 | 0.97% |
| MICHAEL D. HELLER3 Filed as: MICHAEL D HELLER | 97 SOUTH STREET LITTLETON, NH 03561 | TRANSAMERICA LIFE INSURANCE COMPANY | $14 | — | $14 | 0.21% |
| JOSHUA PEARSON3 | 510 ALDERSON ST SCHOFIELD, WI 54476 | TRANSAMERICA LIFE INSURANCE COMPANY | $2 | — | $2 | 0.03% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $290 | $2K | 24.47% |
| ADVANTAGE GROUP GA LLC3 Filed as: ADVANTAGE GROUP MGA | 510 ALDERSON ST SCHOFIELD, WI 54476 | THE CINCINNATI LIFE INSURANCE COMPANY | $85 | — | $85 | 2.66% |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WISCONSIN | 68 | $57K |
| Life insurance(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 44 | $22K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 128 | $26K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 44 | $12K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 50 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.