| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP3 | N19 W24101 N. RIVERWOOD DR. WAUKESHA, WI 53188 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $12K | — | $12K | 2.14% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | DELTA DENTAL OF WISCONSIN | $22K | — | $22K | 3.98% |
| PATRICK J KOHLER3 Filed as: PATRICK J. KOHLER | 11270 W. PARK PL STE 100 MILWAUKEE, WI 53224 | NORTHWESTERN MUTUAL | $14K | $4K | $18K | 4.96% |
| WILLIAM JOHN COLLINS3 | 1036 W. JUNEAU AVE. MILWAUKEE, WI 53233 | NORTHWESTERN MUTUAL | $10K | $3K | $13K | 3.72% |
| BRIAN P DIX3 Filed as: BRIAN DIX | 1036 W. JUNEAU AVE STE 302 MILWAUKEE, WI 53233 | NORTHWESTERN MUTUAL | $10K | $3K | $13K | 3.72% |
| THE HOLTER AGENCY INC3 Filed as: THE HOLTER AGENCY, INC. | 100 E. WISCONSIN AVE STE 2300 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $6K | $672 | $6K | 1.78% |
| JAMES P GROGAN3 Filed as: JAMES P. GROGAN | 11270 W. PARK PL STE 100 MILWAUKEE, WI 53224 | NORTHWESTERN MUTUAL | $1K | $502 | $2K | 0.54% |
| PATRICK J KOHLER3 Filed as: PATRICK J. KOHLER | 11270 WEST PARK PLACE, SUITE 100 MILWAUKEE, WI 53224 | NORTHWESTERN MUTUAL | $14K | $6K | $19K | 5.65% |
| WILLIAM JOHN COLLINS3 | 1036 WEST JUNEAU AVENUE, SUITE 302 MILWAUKEE, WI 53233 | NORTHWESTERN MUTUAL | $10K | $3K | $13K | 3.73% |
| BRIAN P DIX3 Filed as: BRIAN P. DIX | 1036 WEST JEANEAU AVENUE, SUITE 302 MILWAUKEE, WI 53233 | NORTHWESTERN MUTUAL | $10K | $3K | $13K | 3.73% |
| THE HOLTER AGENCY INC3 Filed as: THE HOLTER AGENCY, INC. | 100 EAST WISCONSIN AVENUE SUITE 2300 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $5K | $654 | $6K | 1.78% |
| JAMES P GROGAN3 Filed as: JAMES P. GROGAN | 11270 WEST PARK PLACE, SUITE 100 MILWAUKEE, WI 53224 | NORTHWESTERN MUTUAL | $1K | $489 | $2K | 0.54% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | SELECTHEALTH | $10K | — | $10K | 2.86% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | RELIASTAR LIFE INSURANCE COMPANY | $20K | — | $20K | 22.72% |
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 | 691 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 702 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 104 | $892K |
| Dental | DELTA DENTAL OF WISCONSIN | 551 | $541K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 984 | $61K |
| Life insurance | NORTHWESTERN MUTUAL | 691 | $344K |
| Long-term disability | NORTHWESTERN MUTUAL | 694 | $353K |
| Prescription drug(2 contracts, 2 carriers) | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 104 | $892K |
| Other(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 691 | $431K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 984 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.