| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN KAUFMAN3 Filed as: JOHN STUART WOERFEL | 301 N BROADWAY STE 201 DE PERE, WI 54115 | NORTHWESTERN MUTUAL | $2K | $624 | $3K | 7.29% |
| JEROD THOMAS SPAETH3 | STE 950 330 E KILBOURN AVENUE MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $2K | $416 | $2K | 4.86% |
| DI MEGLIO FNCL GRP LLC3 | STE 950 330 E KILBOURN AVE MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $330 | $40 | $370 | 0.87% |
| FLEISNER GROUP LLC3 | 4620 N BALLARD RD APPLETON, WI 54913 | NORTHWESTERN MUTUAL | $321 | $39 | $360 | 0.85% |
| DANIEL ROBERT ZAK3 | 301 N BROADWAY STE 201 DE PERE, WI 54115 | NORTHWESTERN MUTUAL | $174 | $62 | $236 | 0.55% |
| JOHN KAUFMAN3 Filed as: JOHN STUART WOERFEL | 301 N BROADWAY STE 201 DE PERE, WI 54115 | NORTHWESTERN MUTUAL | $2K | $399 | $2K | 4.94% |
| JEROD THOMAS SPAETH3 | STE 950 330 E KILBOURN AVENUE MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $1K | $266 | $1K | 3.30% |
| FLEISNER GROUP LLC3 | 4620 N BALLARD RD APPLETON, WI 54913 | NORTHWESTERN MUTUAL | $218 | $26 | $244 | 0.61% |
| DI MEGLIO FNCL GRP LLC3 | STE 950 330 E KILBOURN AVE MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $211 | $25 | $236 | 0.59% |
| DANIEL ROBERT ZAK3 | 301 N BROADWAY STE 201 DE PERE, WI 54115 | NORTHWESTERN MUTUAL | $99 | $35 | $134 | 0.33% |
| JOHN KAUFMAN3 Filed as: JOHN STUART WOERFEL | 301 N BROADWAY STE 201 DE PERE, WI 54115 | NORTHWESTERN MUTUAL | $1K | $565 | $2K | 6.06% |
| JEROD THOMAS SPAETH3 | STE 950 330 E KILBOURN AVENUE MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $886 | $223 | $1K | 3.55% |
| FLEISNER GROUP LLC3 | 4620 N BALLARD RD APPLETON, WI 54913 | NORTHWESTERN MUTUAL | $182 | $22 | $204 | 0.65% |
| DI MEGLIO FNCL GRP LLC3 | STE 950 330 E KILBOURN AVE MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $177 | $21 | $198 | 0.63% |
| DANIEL ROBERT ZAK3 | 301 N BROADWAY STE 201 DE PERE, WI 54115 | NORTHWESTERN MUTUAL | $84 | $30 | $114 | 0.36% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | STANDARD INSURANCE COMPANY | $3K | $62 | $3K | 19.57% |
| BENEFIT TECHNOLOGY RESOURCES3 Filed as: BENEFIT TECHNOLOGY RESOURCES, LLC | 6230 FAIRVIEW ROAD STE 210 CHARLOTTE, NC 28210 | STANDARD INSURANCE COMPANY | — | $595 | $595 | 3.52% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $370 | $370 | 2.19% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | — | $12 | $12 | 0.07% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | HUMANA INSURANCE COMPANY | $800 | — | $800 | 10.02% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE ST STE 300 CHICAGO, IL 60654 | HUMANA INSURANCE COMPANY | $65 | — | $65 | 0.81% |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HUMANA INSURANCE COMPANY | 73 | $8K |
| Life insurance | NORTHWESTERN MUTUAL | 124 | $31K |
| Short-term disability | NORTHWESTERN MUTUAL | 123 | $40K |
| Long-term disability | NORTHWESTERN MUTUAL | 124 | $43K |
| Other | NORTHWESTERN MUTUAL | 124 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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.