| 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 | $3K | $654 | $3K | 7.01% |
| JEROD THOMAS SPAETH3 | STE 950 330 E KILBOURN AVENUE MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $2K | $436 | $2K | 4.67% |
| LUEDER FNCL GRP LLC3 | STE 950 330 E KILBOURN AVENUE MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $346 | $42 | $388 | 0.84% |
| JACOB A UNDERWOOD3 | 301 N BROADWAY STE 201 DE PERE, WI 54115 | NORTHWESTERN MUTUAL | $260 | $93 | $353 | 0.76% |
| FLEISNER GROUP LLC3 | 4620 N BALLARD RD APPLETON, WI 54913 | NORTHWESTERN MUTUAL | $260 | $31 | $291 | 0.63% |
| JOHN KAUFMAN3 Filed as: JOHN STUART WOERFEL | 301 N BROADWAY STE 201 DE PERE, WI 54115 | NORTHWESTERN MUTUAL | $2K | $409 | $2K | 4.85% |
| JEROD THOMAS SPAETH3 | STE 950 330 E KILBOURN AVENUE MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $1K | $273 | $1K | 3.24% |
| LUEDER FNCL GRP LLC3 | STE 950 330 E KILBOURN AVENUE MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $216 | $26 | $242 | 0.58% |
| JACOB A UNDERWOOD3 | 301 N BROADWAY STE 201 DE PERE, WI 54115 | NORTHWESTERN MUTUAL | $162 | $58 | $220 | 0.53% |
| FLEISNER GROUP LLC3 | 4620 N BALLARD RD APPLETON, WI 54913 | NORTHWESTERN MUTUAL | $162 | $19 | $181 | 0.43% |
| JOHN KAUFMAN3 Filed as: JOHN STUART WOERFEL | 301 N BROADWAY STE 201 DE PERE, WI 54115 | NORTHWESTERN MUTUAL | $2K | $680 | $2K | 5.51% |
| JEROD THOMAS SPAETH3 | STE 950 330 E KILBOURN AVENUE MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $1K | $269 | $1K | 3.23% |
| LUEDER FNCL GRP LLC3 | STE 950 330 E KILBOURN AVE MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $213 | $26 | $239 | 0.58% |
| JACOB A UNDERWOOD3 | 301 N BROADWAY STE 201 DE PERE, WI 54115 | NORTHWESTERN MUTUAL | $160 | $57 | $217 | 0.52% |
| FLEISNER GROUP LLC3 | 4620 N BALLARD RD APPLETON, WI 54913 | NORTHWESTERN MUTUAL | $160 | $19 | $179 | 0.43% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 8.74% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 14.57% |
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 | 156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 93 | $12K |
| Vision | HUMANA INSURANCE COMPANY | 93 | $12K |
| Life insurance | NORTHWESTERN MUTUAL | 161 | $41K |
| Short-term disability | NORTHWESTERN MUTUAL | 159 | $42K |
| Long-term disability | NORTHWESTERN MUTUAL | 161 | $46K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 29 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.