| 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 | DELTA DENTAL OF WISCONSIN | $5K | — | $5K | 5.23% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | STANDARD INSURANCE COMPANY | $3K | $1K | $4K | 16.82% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S #710 BLOOMINGTON, MN 55439 | STANDARD INSURANCE COMPANY | — | $796 | $796 | 3.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC | 227 W. MONROE ST. STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $233 | $233 | 0.88% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | STANDARD INSURANCE COMPANY | $2K | $849 | $3K | 11.91% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S #710 BLOOMINGTON, MN 55439 | STANDARD INSURANCE COMPANY | — | $684 | $684 | 3.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $202 | $202 | 0.89% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | STANDARD INSURANCE COMPANY | $2K | $580 | $2K | 12.21% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S #710 BLOOMINGTON, MN 55439 | STANDARD INSURANCE COMPANY | — | $522 | $522 | 3.01% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC | 227 W. MONROE ST. STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $149 | $149 | 0.86% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DRIVE MADISON, WA 53713 | WYSSTA INSURANCE COMPANY INC. | $963 | — | $963 | 8.09% |
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 | 175 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WISCONSIN | 152 | $102K |
| Vision | WYSSTA INSURANCE COMPANY INC. | 121 | $12K |
| Life insurance | STANDARD INSURANCE COMPANY | 193 | $17K |
| Short-term disability | STANDARD INSURANCE COMPANY | 46 | $23K |
| Long-term disability | STANDARD INSURANCE COMPANY | 40 | $27K |
| Other | STANDARD INSURANCE COMPANY | 193 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.