| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRADLEY NIEBUHR3 | M3 INSURANCE SOLUTIONS, INC. 828 JOHN NOLEN DRIVE MADISON, WI 53713 | DEAN HEALTH PLAN INC | $35K | — | $35K | 1.51% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | DELTA DENTAL OF WISCONSIN | $51K | — | $51K | 10.99% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | $71K | — | $71K | 46.42% |
| M3 INSURANCE SOLUTIONS INC3 | PO BOX 8950 MADISON, WI 53708 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $7K | $18K | 13.14% |
| M3 INSURANCE SOLUTIONS INC3 | PO BOX 8950 MADISON, WI 53708 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $4K | $10K | 10.20% |
| M3 INSURANCE SOLUTIONS INC3 | PO BOX 8950 MADISON, WI 53708 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $8K | 11.79% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DR MADISON, WI 53713 | WYSSTA INSURANCE COMPANY INC | $5K | — | $5K | 8.00% |
| M3 INSURANCE SOLUTIONS INC3 | PO BOX 8950 MADISON, WI 53708 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 11.90% |
| M3 INSURANCE SOLUTIONS INC3 | PO BOX 8950 MADISON, WI 53708 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $316 | $2K | 18.76% |
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 | 795 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 809 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF WISCONSIN | 294 | $5.7M |
| Dental | DELTA DENTAL OF WISCONSIN | 573 | $466K |
| Vision | WYSSTA INSURANCE COMPANY INC | 396 | $57K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 747 | $56K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 747 | $94K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 347 | $75K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 747 | $262K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 747 | — |
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.