| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STELLARUS BENEFITS INC3 | 330 SOUTH EXECUTIVE DRIVE SUITE 200 BROOKFIELD, WI 53005 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 1.14% |
| STELLARUS BENEFITS INC3 Filed as: STELLARUS BENEFITS, INC. | 2500 EAST ENTERPRISE AVENUE SUITE D APPLETON, WI 54913 | SUN LIFE ASSURANCE COMPANY OF CANADA | $17K | — | $17K | 9.35% |
| CHRISTY L SCHWAN3 | 330 SOUTH EXECUTIVE DRIVE SUITE 200 BROOKFIELD, WI 53005 | NORTHWESTERN MUTUAL | $4K | $1K | $6K | 5.97% |
| LUEDER FNCL GRP LLC3 | 330 EAST KILBOURN AVENUE SUITE 950 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $987 | $87 | $1K | 1.15% |
| STELLARUS BENEFITS INC3 Filed as: STELLARUS BENEFITS INC. | 330 SOUTH EXECUTIVE DRIVE SUITE 200 BROOKFIELD, WI 53005 | WYSSTA INSURANCE COMPANY INC | $4K | — | $4K | 7.30% |
| STELLARUS BENEFITS INC3 | 330 SOUTH EXECUTIVE DRIVE SUITE 200 BROOKFIELD, WI 53005 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 13.34% |
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 | 534 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 534 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | WYSSTA INSURANCE COMPANY INC | 324 | $58K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 534 | $181K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 534 | $181K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 534 | $275K |
| Stop-loss / reinsurancereinsurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 424 | $523K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 563 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 563 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.