| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WARREN G SCHNEIDER3 | N7978 CREEKSIDE DRIVE SHERWOOD, WI 54169 | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $99 | $23 | $122 | 5.18% |
| DEBRA BLEVONS AGY LLC3 Filed as: DEBRA BLEVONS | 4620 N BALLARD ROAD APPLETON, WI 54913 | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $56 | $5 | $61 | 2.59% |
| JAMES C WOELFEL3 | 4620 N BALLARD ROAD APPLETON, WI 54913 | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $15 | $3 | $18 | 0.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ONEAMERICA RETIREMENT SERVICES, LLC EIN 46-5378846 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees; Participant communication; Copying and duplicating; Direct payment from the plan Service code 15 | — | $130K |
| WHN INVESTORS SERVICES, INC. EIN 39-1382973 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $31K |
| BMO HARRIS BANK, NA EIN 36-2085229 NONE | Investment management; Trustee (directed); Soft dollars commissions; Float revenue; Investment management fees paid indirectly by plan; Trustee (bank, trust company, or similar financial institution); Custodial (securities) Service code 19 | — | $0 |
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 | 537 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 149 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 687 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | 8 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.