| 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 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $6K | $15K | 4.70% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DRIVE MADISON, WI 537130000 | DELTA DENTAL OF WISCONSIN | $9K | — | $9K | 3.62% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $11K | 17.00% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $1K | $6K | 10.11% |
| CHRISTOPHER J ZELLNER3 Filed as: CHRISTOPHER J. ZELLNER | 4001 FELLAND RD SUITE 106 MADISON, WI 53718 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.01% |
| AMY KNUTSON3 Filed as: AMY L KNUTSON | 421 HIGGINS DRIVE EVANSVILLE, WI 53536 | CONTINENTAL AMERICAN INSURANCE COMPANY | $610 | — | $610 | 1.44% |
| ADAM THOMAS GARDNER3 Filed as: ADAM T GARNER | 101 N. FARWELL STREET SUITE 202 EAU CLARIE, WI 54703 | CONTINENTAL AMERICAN INSURANCE COMPANY | $458 | — | $458 | 1.08% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC | P.O. BOX 8950 MADISON, WI 53708 | CONTINENTAL AMERICAN INSURANCE COMPANY | $368 | — | $368 | 0.87% |
| JASON P SCZEPANIAK3 | 4001 FELLAND RD STE. 106 MADISON, WI 53718 | CONTINENTAL AMERICAN INSURANCE COMPANY | $308 | — | $308 | 0.73% |
| SPENCER R. MILLER3 | 1423 N 8TH STREET STE. 107 SUPERIOR, WI 54880 | CONTINENTAL AMERICAN INSURANCE COMPANY | $115 | — | $115 | 0.27% |
| JOHN D KEYS3 Filed as: JOHN A KREFT | 5605 OSBORN DR MCFARLAND, WI 53558 | CONTINENTAL AMERICAN INSURANCE COMPANY | $103 | — | $103 | 0.24% |
| DANIEL L OJA3 | 6015 OAKES AVENUE SUPERIOR, WI 54880 | CONTINENTAL AMERICAN INSURANCE COMPANY | $95 | — | $95 | 0.22% |
| KEVIN ZELLNER3 | 4001 FELLAND ROAD MADISON, WI 53718 | CONTINENTAL AMERICAN INSURANCE COMPANY | $88 | — | $88 | 0.21% |
| MATTHEW A HOFELDT3 | 3315 NELSON RD SUN PRAIRIE, WI 53590 | CONTINENTAL AMERICAN INSURANCE COMPANY | $73 | — | $73 | 0.17% |
| ROSS C NELSON3 | 1403 WIMBLETON WAY WAUNAKEE, WI 53597 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65 | — | $65 | 0.15% |
| PAUL S NELSON3 Filed as: PAUL S. NELSON | 805 HARBOR HOUSE DRIVE UNIT 8 MADISONA, WI 53719 | CONTINENTAL AMERICAN INSURANCE COMPANY | $53 | — | $53 | 0.13% |
| CHRISTOPHER P DOOLEY3 | 2903 NORTHWINDS DRIVE EAU CLAIRE, WI 54701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | — | $46 | 0.11% |
| CHRISTINE LOGSLETT3 Filed as: CHRISTINE M LOGSLETT | 300 N CORPORATE DRIVE STE. 300 BROOKFIELD, WI 53045 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | — | $30 | 0.07% |
| ELIZABETH A LENZO3 | 349 E CALIFORNIA BLVD PASADENA, CA 91106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.03% |
| TED ALDWORTH3 Filed as: TED D. ALDWORTH | 3825 MONONA DR APT. 25 MADISON, WI 53714 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.02% |
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 | 665 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 666 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF WISCONSIN | 473 | $300K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 665 | $422K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 665 | $357K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 109 | $62K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 665 | $357K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 665 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.