| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | DELTA DENTAL OF WISCONSIN | $5K | — | $5K | 4.80% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | STANDARD INSURANCE COMPANY | $4K | $700 | $4K | 12.66% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | STANDARD INSURANCE COMPANY | $2K | $467 | $2K | 10.14% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | WYSSTA INSURANCE COMPANY INC | $651 | — | $651 | 8.00% |
| SHANNON A LADING3 | 738 W 4TH ST APPLETON, WI 54914 | AFLAC | $185 | $4 | $189 | 2.89% |
| PAUL L KUNSTMANN3 | 1960 SPRING CREEK CT GREEN BAY, WI 54311 | AFLAC | $72 | — | $72 | 1.10% |
| EDWARD A PALKA JR3 | 2893 SLEEPY HOLLOW DRIVE GREEN BAY, WI 54311 | AFLAC | $65 | — | $65 | 1.00% |
| BRENT MATTHEW ZERKEL3 | 404 PARK ST KAUKANA, WI 54130 | AFLAC | $51 | $6 | $57 | 0.87% |
| PAUL W DESPIRITO3 | 3051 PROGRESS WAY STE 204 KAUKANA, WI 54130 | AFLAC | $48 | $4 | $52 | 0.80% |
| PAMELA A NOWAK3 | 201 S BARTLETT ST SHAWANO, WI 54166 | AFLAC | $31 | — | $31 | 0.47% |
| RETTENMUND INSURANCE LLC3 | S7991 DENZER RD FREEDOM, WI 53951 | AFLAC | $28 | — | $28 | 0.43% |
| ADAM D WICHMANN3 | 780 CAPILANO CT CASTLE ROCK, CO 80108 | AFLAC | $23 | — | $23 | 0.35% |
| AMY KNUTSON3 Filed as: AMY L KNUTSON | 421 HIGGINS DR EVANSVILLE, WI 53536 | AFLAC | $18 | — | $18 | 0.28% |
| JASON SCZEPANIAK3 | 1161 HERITAGE CT SUN PRAIRIE, WI 53590 | AFLAC | $8 | — | $8 | 0.12% |
| GLEN T SCHWEIKERT3 | 2211 HIGHLAND SPRINGS PL LOUISVILLE, KY 40245 | AFLAC | $7 | — | $7 | 0.11% |
| IAN C JOHNSON3 | 2241 EARLY ST ASHWAUBENON, WI 54304 | AFLAC | $7 | — | $7 | 0.11% |
| CHRISTOPHER J ZELLNER3 | 918 ALDORA LN WAUNAKEE, WI 53597 | AFLAC | $3 | — | $3 | 0.05% |
| WILLIAM F MURRAY III3 | 1298 SAINT PATRICK WAY SUN PRAIRIE, WI 54590 | AFLAC | $2 | — | $2 | 0.03% |
| CHRISTOPHER P DOOLEY3 | 2903 NORTHWINDS DR EAU CLAIRE, WI 54701 | AFLAC | $2 | — | $2 | 0.03% |
| NATHAN BRONSON3 Filed as: NATHAN A BRONSON | W9160 RIPLEY RD CAMBRIDGE, WI 53523 | AFLAC | $2 | — | $2 | 0.03% |
| ROSS C NELSON3 | 440 REGENCY PARKWAY DR STE 234 OMAHA, NE 68114 | AFLAC | $1 | — | $1 | 0.02% |
| JAMES W BENCIN3 | 11 SHELDRAKE LN WEST PALM BEACH, FL 33418 | AFLAC | $1 | — | $1 | 0.02% |
| JEREMY KOOI3 | 855 PANORAMA CT APT 203 RICHLAND CENTER, WI 53581 | AFLAC | $0 | — | $0 | 0.00% |
| JEREMY KOOI3 | 25073 HALL LN RICHLAND CENTER, WI 53581 | AFLAC | $0 | — | $0 | 0.00% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WISCONSIN | 95 | $111K |
| Vision | WYSSTA INSURANCE COMPANY INC | 65 | $8K |
| Life insurance | STANDARD INSURANCE COMPANY | 128 | $23K |
| Long-term disability | STANDARD INSURANCE COMPANY | 128 | $35K |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 136 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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."
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.