| 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 | 6.13% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $713 | $4K | 12.08% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $399 | $2K | 12.07% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $384 | $2K | 12.74% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $265 | $3K | 22.33% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | WYSSTA INSURANCE COMPANY INC | $476 | — | $476 | 8.01% |
| ADVANTAGE GROUP GA LLC3 Filed as: ADVANTAGE GROUP, GA, LLC | 510 ALDERSON ST SCHOFIELD, WI 54476 | TRANSAMERICA LIFE INSURANCE COMPANY | $100 | — | $100 | 2.24% |
| JOSEPH R JURGENSMIER3 | 130 ETHEL ST WAUSAU, WI 54403 | TRANSAMERICA LIFE INSURANCE COMPANY | $48 | — | $48 | 1.07% |
| MICHAEL D. HELLER3 Filed as: MICHAEL D HELLER | 97 SOUTH STREET LITTLETON, NH 03561 | TRANSAMERICA LIFE INSURANCE COMPANY | $7 | — | $7 | 0.16% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA C WRIGHT | 412 RUDER ST. WAUSAU, WI 54403 | TRANSAMERICA LIFE INSURANCE COMPANY | $4 | — | $4 | 0.09% |
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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WISCONSIN | 73 | $67K |
| Vision | WYSSTA INSURANCE COMPANY INC | 52 | $6K |
| Life insurance(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 43 | $19K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 133 | $34K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 56 | $19K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 81 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.