| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $17K | — | $17K | 1.98% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | DELTA DENTAL OF WISCONSIN | $5K | — | $5K | 7.20% |
| WIENKES, JODI L3 | 30 HARMON AVENUE BELLEVILLE, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 8.71% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE AGENCY | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $824 | $824 | 2.41% |
| WIENKES, JODI L3 | 30 HARMON AVENUE BELLEVILLE, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $497 | $3K | 10.27% |
| WIENKES, JODI L3 | 30 HARMON AVENUE BELLEVILLE, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 14.42% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE AGENCY | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $461 | — | $461 | 2.50% |
| WIENKES, JODI L3 | 30 HARMON AVENUE BELLEVILLE, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $264 | $3K | 15.94% |
| WIENKES, JODI L3 | 30 HARMON AVENUE BELLEVILLE, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.11% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE AGENCY | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $335 | — | $335 | 2.46% |
| WIENKES, JODI L3 | 30 HARMON AVENUE BELLEVILLE, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $197 | $1K | 11.67% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLAN DRIVE SUITE 300 MADISON, WI 53713 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $453 | $2K | 24.69% |
| THIRD COAST ADVISORS INC3 | 1166 QUAIL COURT #100 PEWAUKEE, WI 53072 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19 | — | $19 | 0.20% |
| C2 CENTRIC LLC3 | 11740 SOUTHWEST 68TH PARKWAY SUITE 2 PORTLAND, OR 97223 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11 | — | $11 | 0.11% |
| WIENKES, JODI L3 | 30 HARMON AVENUE BELLEVILLE, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $957 | — | $957 | 10.00% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE AGENCY | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $363 | $363 | 3.79% |
| WIENKES, JODI L3 | 30 HARMON AVENUE BELLEVILLE, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $850 | $141 | $991 | 11.66% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | WYSSTA INSURANCE COMPANY INC | $700 | — | $700 | 8.28% |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 196 | $840K |
| Dental | DELTA DENTAL OF WISCONSIN | 90 | $68K |
| Vision | WYSSTA INSURANCE COMPANY INC | 79 | $8K |
| Life insurance(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 146 | $44K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 145 | $66K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 145 | $36K |
| Prescription drug | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 196 | $840K |
| Other(5 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 146 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.