| 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 | DEAN HEALTH PLAN INC | $25K | — | $25K | 2.41% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 537130000 | DELTA DENTAL OF WISCONSIN | $14K | — | $14K | 8.87% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE SUITE 300 MADISON, WI 53713 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $6K | $15K | 15.48% |
| JENNON M CARUTH3 | 1331 HEATHER COURT CHANHASSEN, MN 55317 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 7.67% |
| THIRD COAST ADVISORS INC3 | 1166 QUAIL CT., SUITE 100 PEWAUKEE, WI 53072 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $35 | — | $35 | 0.04% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 537130000 | WYSSTA INSURANCE COMPANY INC | $652 | — | $652 | 8.30% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 537130000 | WYSSTA INSURANCE COMPANY INC | $99 | — | $99 | 8.23% |
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 | 124 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DEAN HEALTH PLAN INC | 264 | $1.0M |
| Dental | DELTA DENTAL OF WISCONSIN | 153 | $154K |
| Vision(2 contracts) | WYSSTA INSURANCE COMPANY INC | 72 | $9K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 182 | $100K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 182 | $100K |
| Prescription drug | DEAN HEALTH PLAN INC | 264 | $1.0M |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 182 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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."
No prospect flags tripped on this filing.