| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEROD THOMAS SPAETH3 | 330 E KILBOURN AVE STE 950 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $3K | $759 | $4K | 11.05% |
| LUEDER FNCL GRP LLC3 | 330 E KILBOURN AVE STE 950 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $615 | $69 | $684 | 1.97% |
| MELISSA ANN WERNER3 | 2500 E. ENTERPRISE AVE., STE. D APPLETON, WI 54913 | NORTHWESTERN MUTUAL | $118 | $30 | $148 | 0.43% |
| DEBRA BLEVONS AGY LLC3 | 4620 N BALLARD ROAD APPLETON, WI 54913 | NORTHWESTERN MUTUAL | $26 | $2 | $28 | 0.08% |
| STELLARUS BENEFITS INC3 | 330 S EXECUTIVES DRIVE #200 MADISON, WI 53713 | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC. | $2K | — | $2K | 10.00% |
| STELLARUS BENEFITS INC3 | 330 E EXECUTIVE DRIVE, STE. 200 BROOKFIELD, WI 53005 | ANTHEM LIFE INSURANCE COMPANY | $577 | — | $577 | 5.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | ANTHEM LIFE INSURANCE COMPANY | $479 | — | $479 | 4.89% |
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 | 133 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC. | 74 | $17K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 138 | $10K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 138 | $10K |
| Long-term disability | NORTHWESTERN MUTUAL | 101 | $35K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 138 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.