| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS | 828 JOHN NOLEN DR. MADISON, WI 53713 | DEAN HEALTH PLAN INC | $20K | — | $20K | 1.68% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLAN DR SUITE 300 MADISON, WI 53713 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $9K | $16K | 15.75% |
| C2 CENTRIC LLC3 | 11740 SW 68TH PKWY SUITE 2 PORTLAND, OR 97223 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $195 | — | $195 | 0.19% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M2 INSURANCE SOLUTIONS | 828 JOHN NOLEN DR. MADISON, WI 53713 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 6.47% |
| CHRIS ZELLNER3 | 918 ALDORA LN. WAUNAKEE, WI 53597 | AFLAC | $4K | $185 | $4K | 7.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: JASON GALLAGHER | 5576 AUCHTER LN. WAUNAKEE, WI 53597 | AFLAC | $4K | $144 | $4K | 5.97% |
| KEVIN ZELLNER3 | 350 COUNTY ROAD A WISCONSIN DELLS, WI 53965 | AFLAC | $2K | $77 | $2K | 3.98% |
| AMY KNUTSON3 | 421 HIGGINS DR. EVANSVILLE, WI 53536 | AFLAC | $2K | $51 | $2K | 2.86% |
| CASEY J HIGGINS3 | 2484 LEOPOLD WAY SUN PRAIRIE, WI 53590 | AFLAC | $2K | $76 | $2K | 2.58% |
| AMIE ZELLNER3 | 918 ALDORA LN. WAUNAKEE, WI 53597 | AFLAC | $1K | — | $1K | 1.76% |
| TED ALDWORTH3 | 3825 MONONA DR. APT 25 MADISON, WI 53714 | AFLAC | $334 | — | $334 | 0.54% |
| ROSS C NELSON3 Filed as: ROSS NELSON | 4611 S 96TH ST STE 100 OMAHA, NE 68127 | AFLAC | $178 | — | $178 | 0.29% |
| TREVOR D MARTIN3 Filed as: TREVOR MARTIN | 4001 FELLAND ROAD STE 106 MADISON, WI 53718 | AFLAC | $137 | — | $137 | 0.22% |
| JOHN D KEYS3 Filed as: JOHN KREFT | 5605 OSBORN DR. MCFARLAND, WI 53558 | AFLAC | $131 | — | $131 | 0.21% |
| JASON SCZEPANIAK3 | 1161 HERITAGE CT. SUN PRAIRIE, WI 53590 | AFLAC | $98 | — | $98 | 0.16% |
| JEFFREY D HOEFNER3 Filed as: JEFFREY HOEFNER | 3124 LORRABUD LN. SUN PRAIRIE, WI 53590 | AFLAC | $84 | — | $84 | 0.14% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS | 828 JOHN NOLEN DR. MADISON, WI 53713 | AFLAC | $83 | — | $83 | 0.13% |
| MARILYN L SHAW SCHUH3 Filed as: MARILYN SCHUH | 624 E. CRANSTON RD. BELOIT, WI 53511 | AFLAC | $56 | — | $56 | 0.09% |
| REBECCA A BAERTSCHI3 Filed as: REBECCA BAERTSCHI | 209 W. MAIN ST. BROOKLYN, WI 53521 | AFLAC | $30 | — | $30 | 0.05% |
| JEREMY KOOI3 | 3495 HUNTER HOLLOW RD. DODGEVILLE, WI 53533 | AFLAC | $30 | — | $30 | 0.05% |
| ELIZABETH A LENZO3 Filed as: ELIZABETH LENZO | 701 ALBEROSKY WAY BATAVIA, IL 60510 | AFLAC | $27 | — | $27 | 0.04% |
| MICHAEL FRASIER3 | 4001 FELLAND RD. STE 113 MADISON, WI 53718 | AFLAC | $16 | — | $16 | 0.03% |
| CHRISTOPHER P DOOLEY3 Filed as: CHRISTOPHER DOOLEY | 2903 NORTHWINDS DR. EAU CLAIRE, WI 54701 | AFLAC | $10 | — | $10 | 0.02% |
| CHRIS ZELLNER3 Filed as: CHRIS SOULIER | 602 WILLIAM WAY WAUNAKEE, WI 53597 | AFLAC | $9 | — | $9 | 0.01% |
| GLEN T SCHWEIKERT3 Filed as: GLEN SCHWEIKERT | 2211 HIGHLAND SPRINGS PL LOUISVILLE, KY 40245 | AFLAC | $7 | — | $7 | 0.01% |
| JOSHUA J PARISE3 Filed as: JOSHUA PARISE | 7325 JANES AVE. WOODRIDGE, IL 60517 | AFLAC | $6 | — | $6 | 0.01% |
| NATHAN BRONSON3 | W217 N5386 TAYLORS WOODS DR. MENOMONEE FALLS, WI 53051 | AFLAC | $6 | — | $6 | 0.01% |
| ADAM THOMAS GARDNER3 Filed as: ADAM GARDNER | 101 N FARWELL ST STE 203 EAU CLAIRE, WI 54703 | AFLAC | $5 | — | $5 | 0.01% |
| MATTHEW A HOFELDT3 Filed as: MATTHEW HOFELDT | 4918 LANTERN HOLLOW LN. WAUNAKEE, WI 53597 | AFLAC | $4 | — | $4 | 0.01% |
| CHRISTINE LOGSLETT3 | 300 N CORPORATE DR STE 300 BROOKFIELD, WI 53045 | AFLAC | $4 | — | $4 | 0.01% |
| WILLIAM F MURRAY III3 Filed as: WILLIAM MURRAY III | 1298 SAINT PATRICK WAY SUN PRAIRIE, WI 53590 | AFLAC | $3 | — | $3 | 0.00% |
| KENNETH J HOFFMAN3 Filed as: KENNETH HOFFMAN | N65 W13544 COBBLESTONE CT. MENOMONEE FALLS, WI 53051 | AFLAC | $1 | — | $1 | 0.00% |
| SHADEL & ASSOCIATES LLC3 Filed as: SHADEL & ASSOCIATES INC. | 4811 BEACH BLVD STE 107 JACKSONVILLE, FL 32207 | AFLAC | $1 | — | $1 | 0.00% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DR MADISON, WA 53713 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $700 | — | $700 | 8.30% |
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 | 520 | 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) | 520 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DEAN HEALTH PLAN INC | 223 | $1.2M |
| Dental(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 520 | $189K |
| Vision(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 233 | $111K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 520 | $189K |
| Short-term disability(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 520 | $251K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 520 | $189K |
| Other(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 520 | $251K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 520 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.