| 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 | $612 | $3K | 7.43% |
| JEROD THOMAS SPAETH3 | STE 950 330 E KILBOURN AVENUE MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $2K | $408 | $2K | 4.95% |
| LUEDER FNCL GRP LLC3 | STE 950 330 E KILBOURN AVENUE MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $324 | $39 | $363 | 0.89% |
| JACOB A UNDERWOOD3 | 301 N BROADWAY STE 201 DE PERE, WI 54115 | NORTHWESTERN MUTUAL | $243 | $87 | $330 | 0.81% |
| FLEISNER GROUP LLC3 | 4620 N BALLARD RD APPLETON, WI 54913 | NORTHWESTERN MUTUAL | $243 | $29 | $272 | 0.66% |
| JOHN KAUFMAN3 Filed as: JOHN STUART WOERFEL | 301 N BROADWAY STE 201 DE PERE, WI 54115 | NORTHWESTERN MUTUAL | $1K | $632 | $2K | 5.69% |
| JEROD THOMAS SPAETH3 | STE 950 330 E KILBOURN AVENUE MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $990 | $250 | $1K | 3.34% |
| LUEDER FNCL GRP LLC3 | STE 950 330 E KILBOURN AVE MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $198 | $24 | $222 | 0.60% |
| JACOB A UNDERWOOD3 | 301 N BROADWAY STE 201 DE PERE, WI 54115 | NORTHWESTERN MUTUAL | $149 | $53 | $202 | 0.54% |
| FLEISNER GROUP LLC3 | 4620 N BALLARD RD APPLETON, WI 54913 | NORTHWESTERN MUTUAL | $149 | $18 | $167 | 0.45% |
| JOHN KAUFMAN3 Filed as: JOHN STUART WOERFEL | 301 N BROADWAY STE 201 DE PERE, WI 54115 | NORTHWESTERN MUTUAL | $1K | $371 | $2K | 5.04% |
| JEROD THOMAS SPAETH3 | STE 950 330 E KILBOURN AVENUE MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $982 | $247 | $1K | 3.36% |
| LUEDER FNCL GRP LLC3 | STE 950 330 E KILBOURN AVENUE MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $196 | $24 | $220 | 0.60% |
| JACOB A UNDERWOOD3 | 301 N BROADWAY STE 201 DE PERE, WI 54115 | NORTHWESTERN MUTUAL | $147 | $53 | $200 | 0.55% |
| FLEISNER GROUP LLC3 | 4620 N BALLARD RD APPLETON, WI 54913 | NORTHWESTERN MUTUAL | $147 | $18 | $165 | 0.45% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | HUMANA INSURANCE COMPANY | $906 | $50 | $956 | 10.54% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $499 | — | $499 | 16.47% |
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 | 138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 77 | $9K |
| Vision | HUMANA INSURANCE COMPANY | 77 | $9K |
| Life insurance | NORTHWESTERN MUTUAL | 135 | $37K |
| Short-term disability | NORTHWESTERN MUTUAL | 134 | $37K |
| Long-term disability | NORTHWESTERN MUTUAL | 135 | $41K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 13 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.