Gretchen Flueckiger, J.D. GBDS

Get to Know Gretchen

Favorite Smell
Mountain air
Motivated By
Favorite Game

Gretchen Flueckiger is the director of employee benefits – Madison at M3 Insurance. Specializing in employee benefits, Flueckiger oversees and manages benefit compliance, strategy, design, and implementation for employers of all sizes nationwide.

In addition to managing and growing her book of business, Flueckiger also serves as a director of employee benefits for Southcentral WI. As such, she works closely with other members of the M3 Madison team to identify and acquire new business, implement go-to-market strategies, and build strong partnerships with key business leaders, insurance companies, and community organizations.

With a strong legal and compliance background, she provides transparent services to her clients, helping to educate employers and their teams on compliance, adherence, implementation, and communication of their benefit offerings.

  • Earned Bachelor of Arts degree in political science from Colgate University
  • Earned Juris Doctor from DePaul University College of Law
  • Competed on the International Arbitration Moot Court team in Vienna, Austria
  • Acted as coordinator for the Center for Dispute Resolution in Vienna, Austria
  • Gained experience as
    • Legal affairs intern for 3M Company Thailand, LTD in Bangkok, Thailand
    • Litigation paralegal with Williams and Connolly LLP in Washington, D.C.
    • Director of compliance for employee benefits consulting firm in Madison, Wisconsin
  • Joined M3 in 2016
    • Promoted to director of employee benefits – Madison, 2024


  • Licensed life and health agent in several states
  • Licensed to practice law in Illinois and Wisconsin
  • Group Benefit Disability Specialist (GBDS)
  • CALI Excellence for the Future award, DePaul University College of Law in Chicago
  • InBusiness Madison 40 under 40 class, 2012


  • Camp Manito-wish YMCA, board of directors
  • Camp HOPE for Kids, supporter and volunteer
  • Juvenile Diabetes Research Foundation, supporter

Expertise for Government Contractors

Service Contract Act

Flueckiger specializes in Service Contract Act consulting and advising for government contractors including strategic planning and management oversight. Gretchen’s work allows her clients to be more competitive when they bid and provide feature-rich benefits plans for their employees, while remaining compliant with this federal act.

construction site development

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