| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MELISSA ANN WERNER3 | 2500 E ENTERPRISE AVE., STE. D APPLETON, WI 54913 | NORTHWESTERN MUTUAL | $3K | $803 | $4K | 14.39% |
| DEBRA BLEVONS AGY LLC3 | 4620 N BALLARD RD APPLETON, WI 54913 | NORTHWESTERN MUTUAL | $700 | $62 | $762 | 2.77% |
| STELLARUS BENEFITS INC3 Filed as: STELLARUS BENEFITS INC. | 330 S EXECUTIVES DRIVE #200 MADISON, WI 53713 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 9.30% |
| STELLARUS BENEFITS INC3 | 330 E EXECUTIVE DRIVE STE 200 BROOKFIELD, WI 53005 | ANTHEM LIFE INSURANCE COMPANY | $1K | — | $1K | 10.01% |
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 | 126 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 159 | $15K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 261 | $10K |
| Long-term disability | NORTHWESTERN MUTUAL | 94 | $27K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 261 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.