| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R DAVID FRITZ3 | 833 E. MICHIGAN ST., SUITE 1480 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $21K | $5K | $27K | 6.23% |
| JEROD THOMAS SPAETH3 | 330 E. KILBOURN AVE., SUITE 950 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $21K | $5K | $27K | 6.23% |
| DI MEGLIO FNCL GRP LLC3 | 330 E. KILBOURN AVE., SUITE 950 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $9K | $1K | $11K | 2.48% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES | PO BOX 28 DUBUQUE, IA 52004 | HARTFORD LIFE AND ACCIDENT | $29K | — | $29K | 14.36% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES | PO BOX 28 DUBUQUE, IA 52004 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 16.16% |
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 | 1,077 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,092 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 706 | $204K |
| Long-term disability | NORTHWESTERN MUTUAL | 995 | $427K |
| Other | HARTFORD LIFE AND ACCIDENT | 706 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 995 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.