| 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 HEALTHCARE INSURANCE COMPANY | $0 | $26K | $26K | 2.02% |
| KEVIN ZELLNER3 Filed as: KEVIN L ZELLNER | 350 COUNTY RD A WISCONSIN DELLS, WI 53965 | UNITED HEALTHCARE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| CHARLES L CHANCELLOR3 | 903 WEATHERFORD DR BENTON, AR 72015 | UNITED HEALTHCARE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| NATHAN BRONSON3 Filed as: NATHAN A BRONSON | W217N5386 TAYLORS WOODS DR MENOMONEE FALLS, WI 53051 | UNITED HEALTHCARE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| TRACI R BATTEN3 | 3150 PERIMETER PKWY STE 115 AUGUSTA, GA 30909 | UNITED HEALTHCARE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| AMY KNUTSON3 | 421 HIGGINS DR EVANSVILLE, WI 53536 | UNITED HEALTHCARE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| M3 INSURANCE SOLUTIONS INC3 | PO BOX 8950 MADISON, WI 53708 | AFLAC | $3K | $0 | $3K | 3.46% |
| CHERYL HAYES3 Filed as: CHERYL Y HAYES | 611 N HILL ST SILOAM SPRINGS, AR 72761 | AFLAC | $2K | $305 | $2K | 2.64% |
| JED RYAN3 | 3051 PROGRESS WAY STE 204 KAUKAUNA, WI 54130 | AFLAC | $452 | $1K | $2K | 2.15% |
| SCOTT STUECK3 | 931 CAROLINE ST NEENAH, WI 54956 | AFLAC | $1K | $151 | $1K | 1.88% |
| RICHARD BOWHOUSEN3 | 2467 CLOVER ST OSHKOSH, WI 54901 | AFLAC | $989 | $22 | $1K | 1.29% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | AFLAC | $858 | — | $858 | 1.10% |
| ROBERT CONRAD INSURANCE AGENCY3 | PO BOX 813 GRAHAM, NC 27253 | AFLAC | $465 | $157 | $622 | 0.79% |
| EARL GENE CAULEY JR3 Filed as: EARL GENE CAULEY JR. | 715 WOODKIRK CIR ALMA, AR 72921 | AFLAC | $538 | $61 | $599 | 0.76% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: CHRISTOPHER ALLEN NEECE | 8591 N SPRING CT PICKERINGTON, OH 43147 | AFLAC | $594 | — | $594 | 0.76% |
| PAUL W DESPIRITO3 | 3501 PROGRESS WAY STE 204 KAUKAUNA, WI 54130 | AFLAC | $550 | $30 | $580 | 0.74% |
| DAVID E CIAMPOLI3 | 1204 BIG OAK DR ALMA, AR 72921 | AFLAC | $248 | $61 | $309 | 0.39% |
| MAYRA I GARCIA TORRES3 | 3221 JARBIDGE WAY SPARKS, NV 89434 | AFLAC | $300 | $0 | $300 | 0.38% |
| CHRISTOPHER J ZELLNER3 | 918 ALDORA LN WAUNAKEE, WI 53597 | AFLAC | $252 | $30 | $282 | 0.36% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RONALD JOE BENTLEY | 6301 FIELDCREST DR FORT SMITH, AR 72916 | AFLAC | $266 | $0 | $266 | 0.34% |
| MICHAEL E MITMAN3 | 908 N WAYNE ST STE B ANGOLA, IN 46703 | AFLAC | $240 | $0 | $240 | 0.31% |
| KEITH SCHWENN3 | 4620 GRAND PINE DR WISCONSIN RAPIDS, WI 54494 | AFLAC | $233 | $0 | $233 | 0.30% |
| DEBOT & ASSOCIATES INC3 Filed as: DEBOT & ASSOCIATES | 2925 WELSBY AVENUE STEVENS POINT, WI 54481 | AFLAC | $225 | $0 | $225 | 0.29% |
| DARLA HOERMAN3 Filed as: DARLA J HOERMAN | 1030 S 9TH AVENUE WAUSAU, WI 54401 | AFLAC | $179 | $0 | $179 | 0.23% |
| DAVID C SIMS3 | 1013 S 22ND ST ROGERS, AR 72758 | AFLAC | $156 | $0 | $156 | 0.20% |
| ROBERT J DONOHUE3 | 808 FAIRWAY DR MOSINEE, WI 54455 | AFLAC | $119 | — | $119 | 0.15% |
| ADRIENNE ALICE MENCHACA HOLBROOK3 | 413 LILYFIELD LN GALLOWAY, OH 43119 | AFLAC | $116 | — | $116 | 0.15% |
| ALISON M MORROW3 | 311 FINANCIAL WAY WAUSAU, WI 54401 | AFLAC | $104 | — | $104 | 0.13% |
| JAMES EDWIN REED3 | 8224 SAN MARCO AVE SPRINGDALE, AR 72762 | AFLAC | $103 | — | $103 | 0.13% |
| JUSTIN D HARPER3 | 220 INSURANCE DR STE A FORT WAYNE, IN 46825 | AFLAC | $103 | — | $103 | 0.13% |
| KRYSTAL L ELLISON3 | 7102 W FRIENDLY AVE UNIT 103 GREENSBORO, NC 27410 | AFLAC | $64 | $31 | $95 | 0.12% |
| STEVE J MCPEAK3 | 8802 W 9TH AVENUE KENNEWICK, WA 99336 | AFLAC | $91 | — | $91 | 0.12% |
| JASON SCZEPANIAK3 | 1161 HERITAGE CT SUN PRAIRIE, WI 53590 | AFLAC | $90 | — | $90 | 0.11% |
| THOMAS E HATCHER JR3 | 1588 BAY TREE DR HARRELLS, NC 28444 | AFLAC | $88 | — | $88 | 0.11% |
| ANGELA SCHIEK3 Filed as: ANGELA MEDINA | 401 RYLAND ST STE 204 RENO, NV 89502 | AFLAC | $87 | — | $87 | 0.11% |
| KEVIN CURTIS3 | 401 RYLAND ST STE 204 RENO, NV 89502 | AFLAC | $86 | — | $86 | 0.11% |
| CAMERON CARRILLO3 Filed as: CAMERON D CARRILLO | 61503 ORION DR BEND, OR 97702 | AFLAC | $75 | — | $75 | 0.10% |
| KALIE R GILBERT3 | 674 FIRE TOWER RD ELKINS, AR 72727 | AFLAC | $73 | — | $73 | 0.09% |
| GREGORY E MEYER3 | 5005 BODIE LN GREENSBORO, NC 27455 | AFLAC | $40 | $31 | $71 | 0.09% |
| JONATHAN DAVID BESWARICK3 | 220 INSURANCE DR STE A FORT WAYNE, IN 46825 | AFLAC | $69 | — | $69 | 0.09% |
| ANDRIENNE AL MENCHACA HOLBROOK3 | 413 LILYFIELD LN GALLOWAY, OH 43119 | AFLAC | $68 | — | $68 | 0.09% |
| STEPHEN GRAY3 | 4806 LAWSON LAKE LN RICHMOND, TX 77407 | AFLAC | $67 | — | $67 | 0.09% |
| CAMBRIA WILLIAMS3 | 748 S MEADOWS PKWY STE A9-315 RENO, NV 89521 | AFLAC | $41 | — | $41 | 0.05% |
| JOSHUA S SMITH3 | 12804 W 344 PRNW BENTON CITY, WA 99320 | AFLAC | $39 | — | $39 | 0.05% |
| WILLIAM M HURLEY3 | 712 S CHILTON AVE TYLER, TX 75701 | AFLAC | $33 | — | $33 | 0.04% |
| MICHAEL A MAYER3 | 4406 CAMPOLINA LN PASCO, WA 99301 | AFLAC | $26 | — | $26 | 0.03% |
| ALAN SCHACMAN3 Filed as: ALAN SCHACHMAN | 5880 BONNIE LN MANITOWISH WATERS, WI 54545 | AFLAC | $22 | — | $22 | 0.03% |
| PAMELA A NOWAK3 Filed as: PAMELA NOWAK | 201 S BARTLETT ST SHAWANO, WI 54166 | AFLAC | $21 | — | $21 | 0.03% |
| REBECCA A BAERTSCHI3 | 209 W MAIN ST BROOKLYN, WI 53521 | AFLAC | $17 | — | $17 | 0.02% |
| RETTENMUND INSURANCE LLC3 | S7991 DENZER RD NORTH FREEDOM, WI 53951 | AFLAC | $17 | — | $17 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC | 93033 NETWORK PLACE CHICAGO, IL 60673 | AFLAC | $17 | — | $17 | 0.02% |
| TRACI R BATTEN3 | 375 HARBOUR COVE DR APT 323 SPARKS, NV 89434 | AFLAC | $11 | — | $11 | 0.01% |
| ADAM THOMAS GARDNER3 | 101 N FARWELL ST STE 203 EAU CLAIRE, WI 54703 | AFLAC | $9 | — | $9 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RONALD F BROWN | 5150 BAY TOWN CONWAY, AR 72034 | AFLAC | $9 | — | $9 | 0.01% |
| JEREMY KOOI3 | 270 SHAKERAG ST MINERAL POINT, WI 53565 | AFLAC | $9 | — | $9 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC. | 400 N EXECUTIVE DR STE 200 BROOKFIELD, WI 53005 | AFLAC | $8 | — | $8 | 0.01% |
| SHADEL & ASSOCIATES LLC3 Filed as: SHADEL & ASSOCIATES INC. | 126 HOPKINS ST NEPTUNE BEACH, FL 32266 | AFLAC | $8 | — | $8 | 0.01% |
| ROSS C NELSON3 | 440 REGENCY PARKWAY DR STE 234 OMAHA, NE 68114 | AFLAC | $8 | — | $8 | 0.01% |
| TESSIE P CANTRELLE3 | 3112 LILLIAN MARIE DR GRAY, LA 70359 | AFLAC | $8 | — | $8 | 0.01% |
| BYRON KEITH BURRELL3 | 2805 LONDONDERRY LN CONWAY, AR 72034 | AFLAC | $6 | — | $6 | 0.01% |
| TRACI R BATTEN3 | 216 W MAITLAND BLVD MAITLAND, FL 32751 | AFLAC | $4 | — | $4 | 0.01% |
| CHRISTOPHER P DOOLEY3 | 2903 NORTHWINDS DR EAU CLAIRE, WI 54701 | AFLAC | $3 | — | $3 | 0.00% |
| TONYA SUE ELMORE3 | 1930 HIGHWAY 71 E MANSFIELD, AR 72944 | AFLAC | $3 | — | $3 | 0.00% |
| WILLIAM F MURRAY III3 | 1298 SAINT PATRICK WAY SUN PRAIRIE, WI 53590 | AFLAC | $1 | — | $1 | 0.00% |
| ELIZABETH A LENZO3 | 701 ALBEROSKY WAY BATAVIA, IL 60510 | AFLAC | $0 | — | $0 | 0.00% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | DELTA DENTAL OF WISCONSIN | $4K | — | $4K | 5.76% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 12.89% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 7.99% |
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 | 183 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 307 | $1.3M |
| Dental | DELTA DENTAL OF WISCONSIN | 120 | $76K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 103 | $13K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 185 | $49K |
| Short-term disability | AFLAC | 76 | $78K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 185 | $49K |
| Other(2 contracts, 2 carriers) | AFLAC | 185 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.