| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MELISSA ANN WERNER3 | 2500 E ENTERPRISE AVE., STE. D APPLETON, WI 54913 | NORTHWESTERN MUTUAL | $3K | $752 | $4K | 12.71% |
| DEBRA BLEVONS AGY LLC3 | 4620 N BALLARD RD APPLETON, WI 54913 | NORTHWESTERN MUTUAL | $672 | $68 | $740 | 2.49% |
| STELLARUS BENEFITS INC3 Filed as: STELLARUS BENEFITS INC. | 330 S EXECUTIVES DRIVE #200 MADISON, WI 53713 | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC | $2K | — | $2K | 12.08% |
| STELLARUS BENEFITS INC3 | 2500 E ENTERPRISE AVE, STE. D APPLETON, WI 54913 | UNION SECURITY INSURANCE COMPANY | $950 | $15 | $965 | 10.15% |
| ADVANTAGE GROUP GA LLC3 | 510 ALDERSON ST SCHOFIELD, WI 54476 | SUN LIFE ASSURANCE COMPANY OF CANADA | $689 | — | $689 | 8.39% |
| BRADLEY PATRICK3 | 510 ALDERSON ST SCHOFIELD, WI 54476 | SUN LIFE ASSURANCE COMPANY OF CANADA | $459 | — | $459 | 5.59% |
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 | 129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC | 184 | $16K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 223 | $10K |
| Long-term disability | NORTHWESTERN MUTUAL | 96 | $30K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 223 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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.