| 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 537130000 | DELTA DENTAL OF WISCONSIN | $11K | — | $11K | 3.15% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $7K | $16K | 4.84% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 19.39% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | WYSSTA INSURANCE COMPANY INC | $3K | — | $3K | 8.00% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MAIDSON, WI 53713 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $991 | $5K | 23.26% |
| CHRISTOPHER J ZELLNER3 | 918 ALDORA DRIVE WAUNAKEE, WI 53597 | CONTINENTAL AMERICAN INSURANCE COMPANY | $321 | — | $321 | 3.01% |
| AMY KNUTSON3 Filed as: AMY L KNUTSON | 421 HIGGINS DRIVE EVANSVILLE, WI 53536 | CONTINENTAL AMERICAN INSURANCE COMPANY | $164 | — | $164 | 1.54% |
| ADAM THOMAS GARDNER3 Filed as: ADAM T GARDNER | 101 N. FARWELL STREET, SUITE 203 EAU CLAIRE, WI 54703 | CONTINENTAL AMERICAN INSURANCE COMPANY | $114 | — | $114 | 1.07% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | CONTINENTAL AMERICAN INSURANCE COMPANY | $104 | — | $104 | 0.98% |
| JASON P SCZEPANIAK3 | 4001 FELLAND ROAD SUITE 106 MADISON, WI 53718 | CONTINENTAL AMERICAN INSURANCE COMPANY | $79 | — | $79 | 0.74% |
| KEVIN ZELLNER3 Filed as: KEVIN L ZELLNER | 350 COUNTY ROAD A WISCONSIN DELLS, WI 53965 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 0.36% |
| SPENCER R. MILLER3 Filed as: SPENCER R MILLER | 823 BELKNAP ST STE 108 SUPERIOR, WI 54880 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | — | $30 | 0.28% |
| DANIEL L OJA3 | 6015 OAKES AVENUE SUPERIOR, WI 54880 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.24% |
| PAUL S NELSON3 | 4302 BROWN LANE MADISON, WI 53704 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 0.23% |
| ROSS C NELSON3 | 1403 WIMBLETON WAY WAUNAKEE, WI 53597 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.16% |
| JOHN D KEYS3 Filed as: JOHN A KREFT | 5605 OSBORN DRIVE MCFARLAND, WI 53558 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.13% |
| CHRISTINE LOGSLETT3 Filed as: CHRISTINE M LOGSLETT | 300 N CORPORATE DRIVE STE 300 BROOKFIELD, WI 53045 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.12% |
| CHRISTOPHER P DOOLEY3 | 2903 NORTHWINDS DRIVE EAU CLAIRE, WI 54701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.09% |
| ELIZABETH A LENZO3 | 349 E CALIFORNIA BLVD PASADENA, CA 91106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| TED ALDWORTH3 Filed as: TED D ALDWORTH | 3825 MONONA DRIVE APT 25 MADISON, WI 53714 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
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 | 828 | 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) | 828 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF WISCONSIN | 523 | $357K |
| Vision | WYSSTA INSURANCE COMPANY INC | 360 | $38K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 824 | $381K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 824 | $333K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 59 | $24K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 824 | $333K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 824 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.