| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRICK T HORNE3 | 20300 WATER TOWER BLVD STE 200 BROOKFIELD, WI 53045 | NORTHWESTERN MUTUAL | $2K | $465 | $2K | 4.29% |
| JEROD THOMAS SPAETH3 | 330 E KILBOURN AVE STE 950 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $770 | $194 | $964 | 1.79% |
| LUEDER FNCL GRP LLC3 | 330 E KILBOURN AVE STE 950 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $615 | $74 | $689 | 1.28% |
| JAY LAWRENCE WINSLOW3 | 20300 WATER TOWER BLVD STE 200 BROOKFIELD, WI 53045 | NORTHWESTERN MUTUAL | $462 | $116 | $578 | 1.07% |
| PATRICK T HORNE3 | 20300 WATER TOWER BLVD STE 200 BROOKFIELD, WI 53045 | NORTHWESTERN MUTUAL | $2K | $606 | $3K | 7.49% |
| JEROD THOMAS SPAETH3 | 330 E KILBOURN AVE STE 950 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $1K | $253 | $1K | 3.12% |
| LUEDER FNCL GRP LLC3 | 330 E KILBOURN AVE STE 950 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $802 | $96 | $898 | 2.23% |
| JAY LAWRENCE WINSLOW3 | 20300 WATER TOWER BLVD STE 200 BROOKFIELD, WI 53045 | NORTHWESTERN MUTUAL | $602 | $152 | $754 | 1.88% |
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 | 192 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | NORTHWESTERN MUTUAL | 192 | $54K |
| Long-term disability | NORTHWESTERN MUTUAL | 192 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.