| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STELLARUS BENEFITS INC3 Filed as: STELLARUS BENEFITS, INC. | 330 E. EXECUTIVE DRIVE-SUITE 200 BROOKFIELD, WI 53005 | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | $32K | — | $32K | 4.60% |
| JOHNSON INSURANCE SERVICES LLC3 Filed as: JOHNSON INSURANCE SERVICES, LLC | 555 MAIN STREET - SUITE 320 RACINE, WI 53403 | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | $5K | — | $5K | 0.68% |
| STELLARUS BENEFITS INC3 Filed as: STELLARUS BENEFITS INC. | 330 E. EXECUTIVE DRIVE - SUITE 200 BROOKFIELD, WI 53005 | BLUE CROSS BLUE SHIELD OF WISCONSIN | $4K | — | $4K | 4.66% |
| JOHNSON INSURANCE SERVICES LLC3 Filed as: JOHNSON INSURANCE SERVICES, LLC | 555 MAIN STREET -SUITE 320 RACINE, WI 53403 | BLUE CROSS BLUE SHIELD OF WISCONSIN | $528 | — | $528 | 0.69% |
| STELLARUS BENEFITS INC3 Filed as: STELLARUS BENEFITS, INC. | 2500 E. ENTERPRISE AVE.-SUITE D APPLETON, WI 54913 | UNION SECURITY INSURANCE COMPANY | $8K | — | $8K | 16.38% |
| JOHNSON INSURANCE SERVICES LLC3 Filed as: JOHNSON INSURANCE SERVICES, LLC | 555 MAIN STREET - SUITE 291 RACINE, WI 53403 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 2.91% |
| JULIE A MANN3 Filed as: JULIE A. MANN | 204 S. 35TH STREET - SUITE 100 COUNCIL BLUFFS, IA 51501 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $3K | — | $3K | 13.19% |
| DEREK RIHANEK3 | 19419 VIA DEL MAR - APT 104 TAMPA, FL 33647 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $2K | — | $2K | 8.39% |
| RONALD MOSTO II3 Filed as: RONALD S. MOSTO II | 204 S. 34TH STREET - #100 COUNCIL BLUFFS, IA 51501 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $360 | — | $360 | 1.87% |
| MELISSA K SWAN3 Filed as: MELISSA SWAN | 204 S. 34TH STREET - #100 COUNCIL BLUFFS, IA 51501 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $227 | — | $227 | 1.18% |
| KATHRYN SUZANNE AXENTE3 Filed as: KATHRYN S. AXENTE | 8313 W. HILLSBOROUGH AVE.-STE. 150 TAMPA, FL 33615 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $160 | — | $160 | 0.83% |
| SHAWN P. COLLINS3 | 206 NORTH 8TH MAPLETON, IA 51034 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $142 | — | $142 | 0.74% |
| MONICA WHITE3 Filed as: MONICA L. WHITE | 28876 DELTA AVE. TREYNOR, IA 51575 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $74 | — | $74 | 0.38% |
| THEODORE W HONKE3 Filed as: THEODORE W. HONKE | 1130 S. BURR STREET - SUITE 300 PO BOX 514 MITCHELL, SD 57301 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $68 | — | $68 | 0.35% |
| SCOTT R FRITCHER3 Filed as: SCOTT R. FRITCHER | 11116 AURORA AVE. URBANDALE, IA 50322 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $56 | — | $56 | 0.29% |
| AUSTIN J PETERSON3 Filed as: AUSTIN J. PETERSON | 11116 AURORA AVENUE URBANDALE, IA 50322 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $48 | — | $48 | 0.25% |
| KACY A GRUENKEMEYER3 Filed as: KACY A. GRUENKEMEYER | 11116 AURORA AVE. URBANDALE, IA 50322 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $45 | — | $45 | 0.23% |
| MATTHEW D BUTLER3 Filed as: MATTHEW D. BUTLER | 2427 COVERED BRIDGE BLVD. KNOXVILLE, TN 37932 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $37 | — | $37 | 0.19% |
| BERNARD J BRAZEAU3 Filed as: BERNARD J. BRAZEAU | 11116 AURORA AVE. URBANDALE, IA 50322 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $4 | — | $4 | 0.02% |
| HEATHER D SWANSON3 Filed as: HEATHER D. SWANSON | 825 SPRUCE STREET WAUKEE, IA 50263 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $4 | — | $4 | 0.02% |
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 | 129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | 358 | $714K |
| Dental | BLUE CROSS BLUE SHIELD OF WISCONSIN | 191 | $76K |
| Vision | BLUE CROSS BLUE SHIELD OF WISCONSIN | 191 | $76K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 107 | $53K |
| Short-term disability(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 358 | $66K |
| Other(3 contracts, 3 carriers) | UNION SECURITY INSURANCE COMPANY | 358 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.