| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $46K | $46K | 3.35% |
| BRIAN D. SCHELLINGER3 | W189N11100 KLEINMANN DRIVE, STE 101 GERMANTOWN, WI 53022 | NORTHWESTERN MUTUAL | $4K | $1K | $5K | 7.17% |
| COREY R FLEISNER3 | W189N11100 KLEINMANN DRIVE, STE 101 GERMANTOWN, WI 53022 | NORTHWESTERN MUTUAL | $712 | $169 | $881 | 1.18% |
| DEBRA BLEVONS AGY LLC3 | 4620 N BALLARD ROAD APPLETON, WI 54913 | NORTHWESTERN MUTUAL | $632 | $56 | $688 | 0.92% |
| MIDWEST SELECT INSURANCE GROUP LLC3 | N27 W23953 PAUL ROAD, SUITE 200 PEWAUKEE, WI 53072 | COMPANION LIFE INSURANCE COMPANY | $5K | $5 | $5K | 8.24% |
| STEVEN SCULLION3 Filed as: STEVEN C SCULLION | 1101 W CLAIRMONT AVENUE, SUITE 2E EAU CLAIRE, WI 54701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 15.65% |
| MIDWEST SELECT INSURANCE GROUP LLC3 Filed as: MIDWEST SELECT INS. GROUP LLC | PO BOX 207 MOSINEE, WI 54455 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $782 | — | $782 | 5.07% |
| MIDWEST SELECT INSURANCE GROUP LLC3 | N27 W23953 PAUL ROAD, STE. 200 PEWAUKEE, WI 53072 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| MIDWEST SELECT INSURANCE GROUP LLC3 Filed as: MIDWEST SELECT INS GROUP LLC | N27 W23953 PAUL ROAD, STE. 200 PEWAUKEE, WI 53072 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $653 | — | $653 | 10.00% |
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 | 148 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 292 | $1.4M |
| Dental | COMPANION LIFE INSURANCE COMPANY | 72 | $60K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 288 | $15K |
| Long-term disability | NORTHWESTERN MUTUAL | 155 | $75K |
| Other(4 contracts, 3 carriers) | COMPANION LIFE INSURANCE COMPANY | 288 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.