| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES IKARD3 | 122 WAHACKME RD. NEW CAANAN, CT 06840 | NORTHWESTERN MUTUAL LIFE | — | $8K | $8K | 0.88% |
| H STANLEY MANSFIELD3 | 211 CHAMPLAIN RD. CHATHAM, MA 02633 | NORTHWESTERN MUTUAL LIFE | — | $8K | $8K | 0.88% |
| WILLIAM HOLTON3 | 19111 DETROIT RD STE 304 ROCKY RIVER, OH 44116 | NORTHWESTERN MUTUAL LIFE | — | $4K | $4K | 0.49% |
| RUSSO GROUP LLC3 Filed as: RUSSO GROUP | 875 3RD AVE FL 23 NEW YORK, NY 10022 | NORTHWESTERN MUTUAL LIFE | $230 | $28 | $258 | 0.03% |
| JCE FINANCIAL GROUP3 Filed as: JCE SERVICING GROUP | 950 MAIN AVE SUITE 600 CLEVELAND, OH 44113 | NORTHWESTERN MUTUAL LIFE | $63 | $8 | $71 | 0.01% |
| JOSEPH BURDI3 | SUITE 21 135 US HIGHWAY 202 206 BEDMINSTER, NJ 07921 | NORTHWESTERN MUTUAL LIFE | — | $15 | $15 | 0.00% |
| KEVIN O CONNELL3 | STE 800 1511 N WEST SHORE BLVD TAMPA, FL 33607 | NORTHWESTERN MUTUAL LIFE | — | $7 | $7 | 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 | 46 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 51 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | NORTHWESTERN MUTUAL LIFE | 51 | $904K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 51 | — |
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.