| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | PO BOX 8950 MADISON, WI 53708 | HUMANA INSURANCE COMPANY | $39K | $2K | $41K | 5.17% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $2K | $7K | 5.98% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | VISION SERVICE PLAN | $781 | — | $781 | 3.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: JASON GALLAGHER | 5576 AUCHTER LN WAUNAKEE, WI 53597 | AFLAC | $2K | — | $2K | 13.02% |
| TREVOR D MARTIN3 | 258 CORPORATE DR. STE 200 MADISON, WI 53714 | AFLAC | $418 | — | $418 | 2.86% |
| CHRISTOPHER J ZELLNER3 | 918 ALDORA LN WAUNAKEE, WI 53597 | AFLAC | $357 | — | $357 | 2.44% |
| MICHAEL FRASIER3 | 258 CORPORATE DRIVE, STE 200 MADISON, WI 53714 | AFLAC | $338 | — | $338 | 2.31% |
| AMY KNUTSON3 | 421 HIGGINS DR EVANSVILLE, WI 53536 | AFLAC | $336 | — | $336 | 2.30% |
| WILLIAM C HAGEN | 258 CORPORATE DR STE 200 MADISON, WI 53714 | AFLAC | $84 | — | $84 | 0.58% |
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 | 175 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 111 | $784K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 134 | $125K |
| Vision | VISION SERVICE PLAN | 142 | $20K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 134 | $125K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 134 | $125K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 134 | $125K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 134 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.