| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE NITSCHE GROUP INC3 Filed as: THE NITSCHE GROUP, INC. | 143 EAST AUSTIN STREET GIDDINGS, TX 78942 | UNITEDHEALTHCARE INSURANCE COMPANY | $43K | — | $43K | 4.44% |
| NITSCH & FERGUSON INSURANCE AGENCY3 | 143 EAST AUSTIN STREET GIDDINGS, TX 78942 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $1K | $1K | 0.11% |
| THE NITSCHE GROUP INC3 | 143 EAST AUSTIN STREET GIDDINGS, TX 78942 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 6.31% |
| ROGERS BENEFIT GROUP INC3 | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.37% |
| JAMES WENDLANDT3 | 3700 NORTH CAPITAL OF TEXAS HIGHWAY SUITE 500 AUSTIN, TX 78746 | NORTHWESTERN MUTUAL | $2K | $407 | $3K | 15.18% |
| KEVIN CHADWICK3 | 1801 K STREET NORTHWEST SUITE 210 WASHINGTON, DC 20006 | NORTHWESTERN MUTUAL | $262 | $62 | $324 | 1.85% |
| JEFF REETER3 | ONE RIVERWAY SUITE 900 HOUSTON, TX 77056 | NORTHWESTERN MUTUAL | $253 | $22 | $275 | 1.57% |
| JAMES WENDLANDT3 | 3700 NORTH CAPITAL OF TEXAS HIGHWAY SUITE 500 AUSTIN, TX 78746 | NORTHWESTERN MUTUAL | $1K | $204 | $1K | 8.83% |
| KEVIN CHADWICK3 | 1801 K STREET NORTHWEST SUITE 210 WASHINGTON, DC 20006 | NORTHWESTERN MUTUAL | $151 | $36 | $187 | 1.24% |
| JEFF REETER3 | ONE RIVERWAY SUITE 900 HOUSTON, TX 77056 | NORTHWESTERN MUTUAL | $133 | $12 | $145 | 0.96% |
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 | 190 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 101 | $978K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 190 | $60K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 190 | $60K |
| Short-term disability | NORTHWESTERN MUTUAL | 16 | $15K |
| Long-term disability | NORTHWESTERN MUTUAL | 16 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.