| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRICK T HORNE3 | 20300 WATER TOWER BLVD STE 200 BROOKFIELD, WI 53045 | NORTHWESTERN MUTUAL | $2K | $453 | $2K | 4.50% |
| JEROD THOMAS SPAETH3 | 330 E KILBOURN AVE STE 950 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $749 | $189 | $938 | 1.87% |
| LUEDER FNCL GRP LLC3 | 330 E KILBOURN AVE STE 950 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $548 | $66 | $614 | 1.23% |
| JAY LAWRENCE WINSLOW3 | 20300 WATER TOWER BLVD STE 200 BROOKFIELD, WI 53045 | NORTHWESTERN MUTUAL | $449 | $113 | $562 | 1.12% |
| ANDREW J WHITE3 | 20300 WATER TOWER BLVD STE 200 BROOKFIELD, WI 53045 | NORTHWESTERN MUTUAL | $51 | $18 | $69 | 0.14% |
| PATRICK T HORNE3 | 20300 WATER TOWER BLVD STE 200 BROOKFIELD, WI 53045 | NORTHWESTERN MUTUAL | $2K | $579 | $3K | 7.85% |
| JEROD THOMAS SPAETH3 | 330 E KILBOURN AVE STE 950 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $957 | $241 | $1K | 3.27% |
| LUEDER FNCL GRP LLC3 | 330 E KILBOURN AVE STE 950 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $715 | $86 | $801 | 2.19% |
| JAY LAWRENCE WINSLOW3 | 20300 WATER TOWER BLVD STE 200 BROOKFIELD, WI 53045 | NORTHWESTERN MUTUAL | $574 | $145 | $719 | 1.96% |
| ANDREW J WHITE3 | 20300 WATER TOWER BLVD STE 200 BROOKFIELD, WI 53045 | NORTHWESTERN MUTUAL | $50 | $18 | $68 | 0.19% |
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 | 182 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | NORTHWESTERN MUTUAL | 0 | $50K |
| Long-term disability | NORTHWESTERN MUTUAL | 182 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.