| 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 | $583 | $3K | 7.80% |
| JEROD THOMAS SPAETH3 | STE 950 330 E KILBOURN AVENUE MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $2K | $389 | $2K | 5.20% |
| DI MEGLIO FNCL GRP LLC3 | STE 950 330 E KILBOURN AVE MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $309 | $37 | $346 | 0.93% |
| JACOB A UNDERWOOD3 | 301 N BROADWAY STE 201 DE PERE, WI 54115 | NORTHWESTERN MUTUAL | $231 | $83 | $314 | 0.85% |
| FLEISNER GROUP LLC3 | 4620 N BALLARD RD APPLETON, WI 54913 | NORTHWESTERN MUTUAL | $231 | $28 | $259 | 0.70% |
| JOHN KAUFMAN3 Filed as: JOHN STUART WOERFEL | 301 N BROADWAY STE 201 DE PERE, WI 54115 | NORTHWESTERN MUTUAL | $1K | $354 | $2K | 5.14% |
| JEROD THOMAS SPAETH3 | STE 950 330 E KILBOURN AVENUE MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $935 | $236 | $1K | 3.43% |
| DI MEGLIO FNCL GRP LLC3 | STE 950 330 E KILBOURN AVE MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $187 | $22 | $209 | 0.61% |
| JACOB A UNDERWOOD3 | 301 N BROADWAY STE 201 DE PERE, WI 54115 | NORTHWESTERN MUTUAL | $140 | $50 | $190 | 0.56% |
| FLEISNER GROUP LLC3 | 4620 N BALLARD RD APPLETON, WI 54913 | NORTHWESTERN MUTUAL | $140 | $17 | $157 | 0.46% |
| JOHN KAUFMAN3 Filed as: JOHN STUART WOERFEL | 301 N BROADWAY STE 201 DE PERE, WI 54115 | NORTHWESTERN MUTUAL | $1K | $595 | $2K | 5.84% |
| JEROD THOMAS SPAETH3 | STE 950 330 E KILBOURN AVENUE MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $933 | $235 | $1K | 3.42% |
| DI MEGLIO FNCL GRP LLC3 | STE 950 330 E KILBOURN AVE MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $187 | $22 | $209 | 0.61% |
| JACOB A UNDERWOOD3 | 301 N BROADWAY STE 201 DE PERE, WI 54115 | NORTHWESTERN MUTUAL | $140 | $50 | $190 | 0.56% |
| FLEISNER GROUP LLC3 | 4620 N BALLARD RD APPLETON, WI 54913 | NORTHWESTERN MUTUAL | $140 | $17 | $157 | 0.46% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | HUMANA INSURANCE COMPANY | $733 | $178 | $911 | 12.42% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $333 | — | $333 | 13.67% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | STANDARD INSURANCE COMPANY | $324 | — | $324 | 18.69% |
| BENEFIT TECHNOLOGY RESOURCES3 Filed as: BENEFIT TECHNOLOGY RESOURCES, LLC | 6230 FAIRVIEW ROAD STE 210 CHARLOTTE, NC 28210 | STANDARD INSURANCE COMPANY | $61 | — | $61 | 3.52% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $26 | — | $26 | 1.50% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HUMANA INSURANCE COMPANY | 68 | $7K |
| Life insurance | NORTHWESTERN MUTUAL | 132 | $34K |
| Short-term disability | NORTHWESTERN MUTUAL | 131 | $34K |
| Long-term disability | NORTHWESTERN MUTUAL | 132 | $37K |
| Other(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 132 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.