| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEROD THOMAS SPAETH3 | 330 E KILBOURN AVE STE 950 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $3K | $868 | $4K | 13.59% |
| LUEDER FNCL GRP LLC3 | 330 E KILBOURN AVE STE 950 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $689 | $83 | $772 | 2.43% |
| COMPASS BENEFIT ADVISORS LLC3 Filed as: COMPASS BENEFIT LLC | 1205 CEDAR RD. MOSINEE, WI 54455 | WYSSTA INSURANCE COMPANY | $1K | — | $1K | 8.62% |
| JEROD THOMAS SPAETH3 | 330 E. KILBOURN AVE. SUITE 950 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $611 | $152 | $763 | 13.04% |
| LUEDER FNCL GRP LLC3 | 330 E. KILBOURN AVE. SUITE 950 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $122 | $15 | $137 | 2.34% |
| JEROD THOMAS SPAETH3 | 330 E. KILBOURN AVE. STE. 950 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $427 | $106 | $533 | 14.23% |
| LUEDER FNCL GRP LLC3 | 330 E. KILBOURN AVE. STE. 950 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $85 | $10 | $95 | 2.54% |
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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | WYSSTA INSURANCE COMPANY | 71 | $14K |
| Life insurance | NORTHWESTERN MUTUAL | 116 | $6K |
| Short-term disability | NORTHWESTERN MUTUAL | 113 | $4K |
| Long-term disability | NORTHWESTERN MUTUAL | 94 | $32K |
| Other | NORTHWESTERN MUTUAL | 116 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.