| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STELLARUS BENEFITS INC3 | 2500 EAST ENTERPRISE AVENUE SUITE D APPLETON, WI 54913 | SUN LIFE ASSURANCE COMPANY OF CANADA | $19K | — | $19K | 8.15% |
| STELLARUS BENEFITS INC3 | 330 SOUTH EXECUTIVE DRIVE SUITE 200 BROOKFIELD, WI 53005 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $31K | $362 | $32K | 20.23% |
| CHRISTY L SCHWAN3 | 330 SOUTH EXECUTIVE DRIVE SUITE 200 BROOKFIELD, WI 53005 | NORTHWESTERN MUTUAL | $4K | $1K | $6K | 5.14% |
| LUEDER FNCL GRP LLC3 | 330 EAST KILBOURN AVENUE SUITE 950 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $1K | $89 | $1K | 1.03% |
| JEROD THOMAS SPAETH3 | 330 EAST KILBOURN AVENUE SUITE 950 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $167 | $39 | $206 | 0.19% |
| STELLARUS BENEFITS INC3 | 330 SOUTH EXECUTIVE DRIVE SUITE 200 BROOKFIELD, WI 53005 | WYSSTA INSURANCE COMPANY, INC. | $6K | — | $6K | 8.61% |
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 | 583 | 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) | 583 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | WYSSTA INSURANCE COMPANY, INC. | 374 | $67K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 583 | $237K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 583 | $237K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 583 | $345K |
| Stop-loss / reinsurancereinsurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 476 | $635K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 583 | $393K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 583 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.