| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | HCC LIFE INSURANCE COMPANY | — | $3K | $3K | 0.46% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | DELTA DENTAL OF WISCONSIN | $10K | — | $10K | 8.30% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $3K | $14K | 25.65% |
| PARTNERS, LLC, NATIONAL E3 | 25900 AUTUMN WAY ROGERS, MN 55374 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $2K | $7K | 25.70% |
| PARTNERS, LLC, NATIONAL E3 | 25900 AUTUMN WAY ROGERS, MN 55374 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| PARTNERS, LLC, NATIONAL E3 | 25900 AUTUMN WAY ROGERS, MN 55374 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 13.12% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 7.40% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 NORTH MILDRED AVE., #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $337 | $337 | 1.50% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | WYSSTA INSURANCE COMPANY INC | $1K | — | $1K | 7.33% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $705 | $2K | 15.05% |
| PARTNERS, LLC, NATIONAL E3 | 25900 AUTUMN WAY ROGERS, MN 55374 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $676 | — | $676 | 5.00% |
| PARTNERS, LLC, NATIONAL E3 | 25900 AUTUMN WAY ROGERS, MN 55374 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 11.00% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $906 | — | $906 | 7.40% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 NORTH MILDRED AVE., #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $183 | $183 | 1.49% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $541 | $2K | 21.02% |
| PARTNERS, LLC, NATIONAL E3 | 25900 AUTUMN WAY ROGERS, MN 55374 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $450 | — | $450 | 5.00% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WISCONSIN | 205 | $117K |
| Vision | WYSSTA INSURANCE COMPANY INC | 168 | $19K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 89 | $41K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 0 | $56K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5 | $9K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 199 | $747K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 10 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.