| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES IKARD3 | 122 WAHACKME RD. NEW CAANAN, CT 06840 | NORTHWESTERN MUTUAL LIFE | $11K | $3K | $14K | 1.21% |
| H STANLEY MANSFIELD3 | 211 CHAMPLAIN RD. CHATHAM, MA 02633 | NORTHWESTERN MUTUAL LIFE | $11K | $3K | $14K | 1.21% |
| THOMAS SLATTERY3 | 1600 ASPEN CMNS STE 800 MIDDLETON, WI 53562 | NORTHWESTERN MUTUAL LIFE | $6K | $2K | $7K | 0.62% |
| RUSSO GROUP LLC3 Filed as: RUSSO GROUP | 875 3RD AVE FL 23 NEW YORK, NY 10022 | NORTHWESTERN MUTUAL LIFE | $687 | $82 | $769 | 0.07% |
| WILLIAM HOLTON3 | 19111 DETROIT RD STE 304 ROCKY RIVER, OH 44116 | NORTHWESTERN MUTUAL LIFE | $475 | $202 | $677 | 0.06% |
| KOSNICK FNCL GRP INC3 | 1600 ASPEN CMNS STE 800 MIDDLETON, WI 53562 | NORTHWESTERN MUTUAL LIFE | $174 | $21 | $195 | 0.02% |
| JCE FINANCIAL GROUP3 Filed as: JCE SERVICING GROUP | 950 MAIN AVE SUITE 600 CLEVELAND, OH 44113 | NORTHWESTERN MUTUAL LIFE | $11 | $1 | $12 | 0.00% |
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 | 80 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | NORTHWESTERN MUTUAL LIFE | 120 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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."
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.