| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRADLEY NIEBUHR3 Filed as: BRADLEY O'CONNOR | 828 JOHN NOLEN DRIVE M3 INSURANCE SOLUTIONS, INC. MADISON, WI 53713 | DEAN HEALTH PLAN INC | $36K | — | $36K | 1.09% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | DELTA DENTAL OF WISCONSIN | $60K | — | $60K | 11.90% |
| M3 INSURANCE SOLUTIONS INC3 | PO BOX 8950 MADISON, WI 53708 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $10K | $22K | 12.94% |
| M3 INSURANCE SOLUTIONS INC3 | PO BOX 8950 MADISON, WI 53708 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $7K | $12K | 10.40% |
| M3 INSURANCE SOLUTIONS INC3 | PO BOX 8950 MADISON, WI 53708 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $4K | $9K | 12.51% |
| M3 INSURANCE SOLUTIONS INC3 | 3113 W BELTLINE HWY MADISON, WI 53713 | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | $63K | — | $63K | 85.89% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | $6K | — | $6K | 8.29% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | WYSSTA INSURANCE COMPANY INC | $6K | — | $6K | 8.00% |
| M3 INSURANCE SOLUTIONS INC3 | PO BOX 8950 MADISON, WI 53708 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $4K | $8K | 12.25% |
| M3 INSURANCE SOLUTIONS INC3 | PO BOX 8950 MADISON, WI 53708 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $527 | $2K | 21.11% |
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 | 879 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 905 | 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 | 346 | $8.0M |
| Dental | DELTA DENTAL OF WISCONSIN | 621 | $506K |
| Vision | WYSSTA INSURANCE COMPANY INC | 477 | $71K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 822 | $239K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 810 | $118K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 385 | $82K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 822 | $312K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 822 | — |
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.