| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | DEAN HEALTH PLAN INC | $30K | — | $30K | 2.24% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | DELTA DENTAL OF WISCONSIN | $7K | — | $7K | 4.36% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | STANDARD INSURANCE COMPANY | $2K | $2K | $5K | 7.50% |
| JENNON CARUTH3 | 1331 HEATHER CT CHANHASSEN, MN 55317 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 1.99% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | STANDARD INSURANCE COMPANY | $2K | $2K | $4K | 8.25% |
| JENNON CARUTH3 | 1331 HEATHER CT CHANHASSEN, MN 55317 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 2.30% |
| JENNON CARUTH3 | 1331 HEATHER CT CHANHASSEN, MN 55317 | STANDARD INSURANCE COMPANY | $5K | $2K | $6K | 19.01% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DR MADISON, WI 53713 | STANDARD INSURANCE COMPANY | $3K | $575 | $3K | 9.35% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $566 | $566 | 1.71% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | STANDARD INSURANCE COMPANY | $2K | $1K | $3K | 13.57% |
| JENNON CARUTH3 | 1331 HEATHER CT CHANHASSEN, MN 55317 | STANDARD INSURANCE COMPANY | — | $592 | $592 | 2.39% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | WYSSTA INSURANCE COMPANY INC | $1K | — | $1K | 8.02% |
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 | 204 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DEAN HEALTH PLAN INC | 317 | $1.4M |
| Dental | DELTA DENTAL OF WISCONSIN | 152 | $168K |
| Vision | WYSSTA INSURANCE COMPANY INC | 127 | $16K |
| Life insurance | STANDARD INSURANCE COMPANY | 178 | $48K |
| Short-term disability | STANDARD INSURANCE COMPANY | 178 | $60K |
| Long-term disability | STANDARD INSURANCE COMPANY | 178 | $25K |
| Other | STANDARD INSURANCE COMPANY | 178 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.