| 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 | $58K | — | $58K | 4.87% |
| NITSCH & FERGUSON INSURANCE AGENCY3 | 143 EAST AUSTIN STREET GIDDINGS, TX 78942 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $1K | $1K | 0.09% |
| THE NITSCHE GROUP INC3 | 143 EAST AUSTIN STREET GIDDINGS, TX 78942 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 6.98% |
| ROGERS BENEFIT GROUP INC3 | 7310 NORTH 16TH STREET SUITE 226 PHOENIX, AZ 85020 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.48% |
| JAMES WENDLANDT3 Filed as: JAMES C WENDLANDT | 3700 NORTH CAPITAL OF TEXAS HIGHWAY SUITE 500 AUSTIN, TX 78746 | NORTHWESTERN MUTUAL | $2K | $515 | $3K | 16.16% |
| NM AUSTIN TEXAS AGENCY3 | 3700 NORTH CAPITAL OF TEXAS HIGHWAY SUITE 500 AUSTIN, TX 78746 | NORTHWESTERN MUTUAL | $482 | $47 | $529 | 3.18% |
| JAMES WENDLANDT3 Filed as: JAMES C WENDLANDT | 3700 NORTH CAPITAL OF TEXAS HIGHWAY SUITE 500 AUSTIN, TX 78746 | NORTHWESTERN MUTUAL | $1K | $267 | $1K | 9.21% |
| NM AUSTIN TEXAS AGENCY3 | 3700 NORTH CAPITAL OF TEXAS HIGHWAY SUITE 500 AUSTIN, TX 78746 | NORTHWESTERN MUTUAL | $252 | $24 | $276 | 1.82% |
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 | 244 | 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) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 24 | $1.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 250 | $80K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 250 | $80K |
| Short-term disability | NORTHWESTERN MUTUAL | 16 | $15K |
| Long-term disability | NORTHWESTERN MUTUAL | 16 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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.