| 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 53715 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $43K | — | $43K | 3.81% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | DELTA DENTAL OF WISCONSIN | $6K | — | $6K | 6.05% |
| RICHARD F SAUTER3 | N3763 N RAPIDS RD JEFFERSON, WI 53549 | AFLAC | $1K | $110 | $1K | 6.35% |
| CASEY J HIGGINS3 | 9347 LIZARD ROCK TRL COLORADO SPRINGS, CO 80924 | AFLAC | $232 | — | $232 | 1.23% |
| NICHOLAS LAACK-MILLER3 | 1100 GARDEN AVE STOUGHTON, WI 53589 | AFLAC | $190 | $26 | $216 | 1.14% |
| MICHAEL FRASIER3 | 258 CORPORATE DR STE 200 MADISON, WI 53714 | AFLAC | $137 | $26 | $163 | 0.86% |
| EMILY N WAYNE3 | 1750 N CLYBOURN AVE, APT 202 CHICAGO, IL 60614 | AFLAC | $150 | — | $150 | 0.79% |
| BRIAN D BARK3 Filed as: BRIAN BARK | W5380 COUNTY ROAD CS POYNETTE, WI 53955 | AFLAC | $81 | — | $81 | 0.43% |
| DAWN SAUTER3 | N1405 STATE ROAD 106 PALMYRA, WI 53156 | AFLAC | $76 | — | $76 | 0.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 400 N EXECUTIVE DR STE 200 BROOKFIELD, WI 53005 | AFLAC | $58 | — | $58 | 0.31% |
| JASON SCZEPANIAK3 | 1161 HERITAGE CT SUN PRAIRIE, WI 53590 | AFLAC | $33 | — | $33 | 0.17% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 12.50% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | WYSSTA INSURANCE COMPANY INC | $565 | — | $565 | 5.04% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $488 | — | $488 | 15.00% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $223 | — | $223 | 15.00% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $48 | — | $48 | 14.86% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | HARTFORD LIFE AND ACCIDENT | — | $118 | $118 | — |
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 | 164 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 141 | $1.2M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF WISCONSIN | 105 | $101K |
| Vision | WYSSTA INSURANCE COMPANY INC | 88 | $11K |
| Life insurance(3 contracts, 3 carriers) | AFLAC | 171 | $19K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 21 | $20K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 171 | $0 |
| Prescription drug | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 141 | $1.1M |
| Other(2 contracts, 2 carriers) | AFLAC | 171 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.
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.