| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STELLARUS BENEFITS INC3 Filed as: STELLARUS BENEFITS INC. | 330 SOUTH EXECUTIVE DRIVE SUITE 200 BROOKFIELD, WI 53005 | COMPCARE HEALTH SERVICES INSURANCE CORPORAION | — | — | $0 | 0.00% |
| STELLARUS BENEFITS INC3 | 330 SOUTH EXECUTIVE DRIVE SUITE 200 BROOKFIELD, WI 53005 | BLUE CROSS BLUE SHIELD OF WISCONSIN | $53K | — | $53K | 21.02% |
| STELLARUS BENEFITS INC3 | 330 EAST EXECUTIVE DRIVE SUITE 200 BROOKFIELD, WI 53005 | BLUE CROSS BLUE SHIELD OF WISCONSIN | $675 | — | $675 | 0.27% |
| STELLARUS BENEFITS INC3 | 330 EAST EXECUTIVE DRIVE SUITE 200 BROOKFIELD, WI 53005 | BLUE CROSS BLUE SHIELD OF WISCONSIN | $4K | — | $4K | 5.00% |
| CHRISTY L SCHWAN3 | 330 SOUTH EXECUTIVE DRIVE SUITE 200 BROOKFIELD, WI 53005 | NORTHWESTERN MUTUAL | $2K | $421 | $2K | 6.11% |
| PATRICK T HORNE3 | 20300 WATER TOWER BLVD SUITE 200 BROOKFIELD, WI 53045 | NORTHWESTERN MUTUAL | $2K | $382 | $2K | 6.00% |
| LUEDER FNCL GRP LLC3 Filed as: LUEDER FINANCIAL GROUP LLC | 330 EAST KILBOURN AVENUE SUITE 950 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $734 | $65 | $799 | 2.36% |
| CHRISTY L SCHWAN3 | 330 SOUTH EXECUTIVE DRIVE SUITE 200 BROOKFIELD, WI 53005 | NORTHWESTERN MUTUAL | $672 | $167 | $839 | — |
| PATRICK T HORNE3 | 20300 WATER TOWER BOULEVARD SUITE 200 BROOKFIELD, WI 53045 | NORTHWESTERN MUTUAL | $672 | $162 | $834 | — |
| LUEDER FNCL GRP LLC3 Filed as: LUEDER FINANCIAL GROUP LLC | 330 EAST KILBOURN AVENUE SUITE 950 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $269 | $24 | $293 | — |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMPCARE HEALTH SERVICES INSURANCE CORPORAION | 122 | $1.7M |
| Dental | BLUE CROSS BLUE SHIELD OF WISCONSIN | 144 | $76K |
| Vision | BLUE CROSS BLUE SHIELD OF WISCONSIN | 16 | $250K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 0 | $0 |
| Short-term disability | NORTHWESTERN MUTUAL | 157 | $0 |
| Long-term disability | NORTHWESTERN MUTUAL | 157 | $34K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.