| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE | 325 TROWBRIDGE DR FOND DU LAC, WI 53713 | AMERICAN NATIONAL INS CO | $30K | $4K | $34K | 13.18% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | PO BOX 949 FOND DU LAC, WI 54936 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.03% |
| DELORES A MENDELS3 | W6325 GOOSE CREEK CIRCLE GREENVILLE, WI 54942 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.50% |
| HIERL INSURANCE INC3 Filed as: HIERL INSURANCE | PO BOX 949 FOND DU LAC, WI 54936 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $475 | — | $475 | 1.12% |
| STERLING WEALTH MANAGEMENT LLC3 Filed as: STERLING WEALTH MANAGEMENT | W175 N11163 STONEWOOD DR GERMANTOWN, WI 53022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $335 | $1 | $336 | 0.79% |
| GARSON FINANCIAL SERVICES S C3 Filed as: GARSON FINANCIAL SERVICES SC | 929 N ASTOR MILWAUKEE, WI 53202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $145 | $13 | $158 | 0.37% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 13.80% |
| HIERL INSURANCE INC3 Filed as: HIERL INSURANCE INC. | 325 TROWBRIDGE DR FOND DU LAC, WI 54937 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $523 | — | $523 | 2.83% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $701 | — | $701 | 8.14% |
| HIERL INSURANCE INC3 Filed as: HIERL INSURANCE | 325 TROWBRIDGE DRIVE FOND DU LAC, WI 54937 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $160 | — | $160 | 1.86% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 325 TROWBRIDGE DRIVE FOND DU LAC, WI 54937 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1 | — | $1 | 11.11% |
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 | 165 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 168 | $70K |
| Stop-loss / reinsurancereinsurance | AMERICAN NATIONAL INS CO | 127 | $260K |
| Other(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 168 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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.