| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 Filed as: JOHN HEALY/M3 INSURANCE SOLUTIONS | 828 JOHN NOLEN DR. MADISON, WA 53713 | DEAN HEALTH PLAN INC. | $28K | — | $28K | 0.16% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC DBA M3 | PO BOX 8950 MADISON, WI 53713 | HUMANA INSURANCE COMPANY | $34K | $933 | $35K | 4.64% |
| M3 INS SOLUTIONS INC3 | 828 JOHN NOLEN DR. MADISON, WI 53713 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $289 | $15K | 2.25% |
| CHRISTOPHER J ZELLNER3 Filed as: CHRISTOPHER ZELLNER | 918 ALDORA LN. WAUNAKEE, WA 53597 | AFLAC | $4K | $279 | $4K | 7.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: JASON GALLAGHER | 5576 AUCHTER LN. WAUNAKEE, WI 53593 | AFLAC | $3K | $101 | $3K | 4.31% |
| KEVIN ZELLNER3 | 350 COUNTY ROAD A WISCONSIN DELLS, WI 53965 | AFLAC | $1K | $14 | $1K | 2.08% |
| AMY KNUTSON3 | 421 HIGGINS DR. EVANSVILLE, WI 53536 | AFLAC | $769 | $34 | $803 | 1.29% |
| CASEY J HIGGINS3 Filed as: CASEY HIGGINS | 3083 LYMANS RUN SUN PRAIRIE, WI 53590 | AFLAC | $277 | $47 | $324 | 0.52% |
| TED ALDWORTH3 | 3825 MONONA DR. APT 25 MADISON, WI 53714 | AFLAC | $296 | — | $296 | 0.48% |
| MICHAEL A SMITH3 Filed as: MICHAEL SMITH | PO BOX 620163 MIDDLETON, WI 53562 | AFLAC | $173 | — | $173 | 0.28% |
| DUSTIN PRICE3 | 2113 35TH ST. TWO RIVERS, WI 54241 | AFLAC | $136 | $37 | $173 | 0.28% |
| CASEY J HIGGINS3 Filed as: CASEY HIGGINS | 9347 LIZARD ROCK TRL COLORADO SPRINGS, CO 80924 | AFLAC | $171 | — | $171 | 0.28% |
| MATTHEW A HOFELDT3 Filed as: MATTHEW HOFELDT | 4918 LANTERN HOLLOW LN. WAUNAKEE, WI 53597 | AFLAC | $115 | $47 | $162 | 0.26% |
| MICHAEL FRASIER3 | 4001 FELLAND RD. STE 113 MADISON, WI 53718 | AFLAC | $137 | $8 | $145 | 0.23% |
| ROSS C NELSON3 Filed as: ROSS NELSON | 440 REGENCY PARKWAY DR. STE 234 OMAHA, NE 68114 | AFLAC | $125 | — | $125 | 0.20% |
| JOHN D KEYS3 Filed as: JOHN KREFT | 5605 OSBORN DR. MCFARLAND, WI 53558 | AFLAC | $113 | — | $113 | 0.18% |
| ERIK BUSSE3 | 6519 HARVEST MOON CT. WAUNAKEE, WI 53597 | AFLAC | $102 | — | $102 | 0.16% |
| REBECCA A BAERTSCHI3 Filed as: REBECCA BAERTSCHI | 209 W. MAIN ST. BROOKLYN, WI 53521 | AFLAC | $59 | $28 | $87 | 0.14% |
| JASON SCZEPANIAK3 | 1161 HERITAGE CT. SUN PRAIRIE, WI 53590 | AFLAC | $74 | — | $74 | 0.12% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DR. MADISON, WI 53713 | AFLAC | $58 | — | $58 | 0.09% |
| CHRISTOPHER J ZELLNER3 Filed as: CHRISTOPHER ZELLNER | 918 ALDORA LN. #106 WAUNAKEE, WI 53597 | AFLAC | $52 | — | $52 | 0.08% |
| TREVOR D MARTIN3 Filed as: TREVOR MARTIN | 4001 FELLAND RD. STE. 106 MADISON, WI 53718 | AFLAC | $43 | — | $43 | 0.07% |
| SHERI L DEAN3 Filed as: SHERI DEAN | 2477 PINTO TRAIL MCFARLAND, WA 53558 | AFLAC | $25 | $12 | $37 | 0.06% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL DESPIRITO | 3051 PROGRESS WAY STE 204 KAUKAUNA, WI 54130 | AFLAC | $28 | $7 | $35 | 0.06% |
| MARILYN L SHAW SCHUH3 Filed as: MARILYN LOUISE SHAW SCHUH | 624 E. CRANSTON RD. BELOIT, WI 53511 | AFLAC | $32 | — | $32 | 0.05% |
| DUSTIN PRICE3 | 1664 ATLANTA CIR MANITOWOC, WI 54220 | AFLAC | $24 | — | $24 | 0.04% |
| ELIZABETH A LENZO3 Filed as: ELIZABETH LENZO | 701 ALBEROSKY WAY BATAVIA, IL 60510 | AFLAC | $22 | — | $22 | 0.04% |
| JEREMY KOOI3 | 270 SHAKERAG ST. MINERAL POINT, WI 53565 | AFLAC | $22 | — | $22 | 0.04% |
| NICHOLAS LAACK-MILLER3 | 2234 LUANN LN. #109 MADSION, WI 53713 | AFLAC | $19 | — | $19 | 0.03% |
| JEFFREY D HOEFNER3 Filed as: JEFFREY HOEFNER | 3124 LORRABUD LN. SUN PRAIRIE, WI 53590 | AFLAC | $14 | — | $14 | 0.02% |
| MARILYN HUGHES3 | 150 HICKORY LN. DAHLONEGA, GA 30533 | AFLAC | $13 | — | $13 | 0.02% |
| WILLIAM C HAGEN3 Filed as: WILLIAM HAGEN | 258 CORPORATE DR. #200 MADISON, WI 53714 | AFLAC | $10 | — | $10 | 0.02% |
| CHRISTOPHER P DOOLEY3 Filed as: CHRISTOPHER DOOLEY | 2903 NORTHWINDS DR. EAU CLAIRE, WI 54701 | AFLAC | $8 | — | $8 | 0.01% |
| ALISON M MORROW3 Filed as: ALISON MORROW | 311 FINANCIAL WAY WAUSAU, WA 54401 | AFLAC | $8 | — | $8 | 0.01% |
| CHRIS ZELLNER3 Filed as: CHRIS SOULIER | 602 WILLIAM WAY WAUNAKEE, WI 53597 | AFLAC | $7 | — | $7 | 0.01% |
| GLEN T SCHWEIKERT3 Filed as: GLEN SCHWEIKERT | 2211 HIGHLAND SPRINGS PL LOUISVILLE, KY 40245 | AFLAC | $6 | — | $6 | 0.01% |
| NATHAN BRONSON3 | W217N5386 TAYLORS WOODS DR. MENOMONEE FALLS, WI 53051 | AFLAC | $5 | — | $5 | 0.01% |
| JOSHUA J PARISE3 Filed as: JOSHUA PARISE | 7325 JANES AVE. WOODRIDGE, IL 60517 | AFLAC | $4 | — | $4 | 0.01% |
| ADAM THOMAS GARDNER3 | 101 N. FARWELL ST. STE. 203 EAU CLAIRE, WI 54703 | AFLAC | $3 | — | $3 | 0.00% |
| WILLIAM F MURRAY III3 Filed as: WILLIAM MURRAY III | 1298 SAINT PATRICK WAY SUN PRAIRIE, WI 53590 | AFLAC | $2 | — | $2 | 0.00% |
| CHRISTINE LOGSLETT0 | 300 N. CORPORATE DR. STE. 300 BROOKFIELD, WI 53045 | AFLAC | $1 | — | $1 | 0.00% |
| CHRISTINE LOGSLETT3 | 8318 ANNA AVE. WIND LAKE, WI 53185 | AFLAC | $1 | — | $1 | 0.00% |
| SHADEL & ASSOCIATES LLC3 Filed as: SHADEL & ASSOCIATES INC | 126 HOPKINS ST NEPTUNE BEACH, FL 32266 | AFLAC | $1 | — | $1 | 0.00% |
| KENNETH J HOFFMAN3 Filed as: KENNETH HOFFMAN | N65W13544 COBBLESTONE CT. MENOMONEE FALLS, WI 53051 | AFLAC | $1 | — | $1 | 0.00% |
| AMY KNUTSON3 | 421 HIGGINS DR. EVANSVILLE, WA 53536 | AFLAC | $3K | — | $3K | 16.82% |
| CHRISTOPHER J ZELLNER3 Filed as: CHRISTOPHER ZELLNER | 918 ALDORA LN. WAUNAKEE, WI 53597 | AFLAC | $3K | — | $3K | 15.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: JASON GALLAGHER | 5576 AUCHTER LN. WAUNAKEE, WI 53597 | AFLAC | $3K | — | $3K | 14.35% |
| MICHAEL FRASIER3 | 4001 FELLAND RD STE 113 MADISON, WI 53718 | AFLAC | $69 | — | $69 | 0.37% |
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 | 504 | 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) | 504 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | DEAN HEALTH PLAN INC. | 320 | $18.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 504 | $659K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 504 | $659K |
| Short-term disability(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 504 | $739K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 504 | $659K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 504 | $739K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 504 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.