| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRICK T HORNE3 | 20300 WATER TOWER BLVD STE 200 BROOKFIELD, WI 53045 | NORTHWESTERN MUTUAL | $2K | $393 | $2K | 6.55% |
| LUEDER FNCL GRP LLC3 | 330 E KILBOURN AVE STE 950 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $399 | $35 | $434 | 1.36% |
| JAY LAWRENCE WINSLOW3 | 20300 WATER TOWER BLVD STE 200 BROOKFIELD, WI 53045 | NORTHWESTERN MUTUAL | $92 | $21 | $113 | 0.35% |
| PATRICK T HORNE3 | 20300 WATER TOWER BLVD STE 200 BROOKFIELD, WI 53045 | NORTHWESTERN MUTUAL | $3K | $658 | $4K | 12.68% |
| LUEDER FNCL GRP LLC3 | 330 E KILBOURN AVE STE 950 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $677 | $60 | $737 | 2.66% |
| JAY LAWRENCE WINSLOW3 | 20300 WATER TOWER BLVD STE 200 BROOKFIELD, WI 53045 | NORTHWESTERN MUTUAL | $195 | $45 | $240 | 0.87% |
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 | 211 | 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) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | NORTHWESTERN MUTUAL | 211 | $32K |
| Long-term disability | NORTHWESTERN MUTUAL | 211 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.