| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 3113 WEST BELTLINE HIGHWAY P.O. BOX 8950 MADISON, WI 537132830 | SUN LIFE ASSURANCE COMPANY OF CANADA | $107K | — | $107K | 11.43% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | SUN LIFE ASSURANCE COMPANY OF CANADA | $60K | — | $60K | 6.41% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 3113 WEST BELTLINE HIGHWAY P.O. BOX 8950 MADISON, WI 537132830 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $454 | $5K | 2.43% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 3113 WEST BELTLINE HIGHWAY P.O. BOX 8950 MADISON, WI 537132830 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | $387 | $28K | 15.21% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC | 3113 WEST BELTLINE HIGHWAY P.O. BOX 8950 MADISON, WI 537132830 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $269 | $4K | 3.42% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 3113 WEST BELTINE HIGHWAY P.O. BOX 8950 MADISON, WI 537132830 | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC. | $11K | — | $11K | 9.32% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 3113 WEST BELTLINE HIGHWAY P.O. BOX 8950 MADISON, WI 537132830 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $161 | $5K | 6.95% |
| M3 INSURANCE SOLUTIONS INC3 | PO BOX 8950 MADISON, WI 537088950 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $92 | $5K | 15.26% |
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 | 1,005 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,014 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC. | 1,526 | $122K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 999 | $303K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 997 | $210K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 232 | $104K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 823 | $937K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 999 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,526 | — |
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.