| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2120 PEWAUKEE RD STE 202 WAUKESHA, WI 53188 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $81K | $87K | 3.15% |
| PATRICK T HORNE3 | STE 200 20300 WATER TOWER BLVD BROOKFIELD, WI 53045 | NORTHWESTERN MUTUAL | $2K | $593 | $3K | 4.01% |
| JEROD THOMAS SPAETH3 | STE 950 330 E KILBOURN AVE MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $2K | $593 | $3K | 4.01% |
| LUEDER FNCL GRP LLC3 | STE 950 330 E KILBOURN AVE MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $706 | $85 | $791 | 1.08% |
| ANDREW J WHITE3 | STE 200 20300 WATER TOWER BLVD BROOKFIELD, WI 53045 | NORTHWESTERN MUTUAL | $235 | $85 | $320 | 0.44% |
| PATRICK T HORNE3 | STE 200 20300 WATER TOWER BLVD BROOKFIELD, WI 53045 | NORTHWESTERN MUTUAL | $2K | $378 | $2K | 3.73% |
| JEROD THOMAS SPAETH3 | STE 950 330 E KILBOURN AVE MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $2K | $378 | $2K | 3.73% |
| LUEDER FNCL GRP LLC3 | STE 950 330 E KILBOURN AVE MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $450 | $54 | $504 | 1.00% |
| ANDREW J WHITE3 | STE 200 20300 WATER TOWER BLVD BROOKFIELD, WI 53045 | NORTHWESTERN MUTUAL | $150 | $54 | $204 | 0.41% |
| PATRICIA K SUMMERS3 | 314 N 62ND ST MILWAUKEE, WI 53213 | AFLAC | $1K | $19 | $1K | 3.61% |
| KRISTIN WEEKS3 | 1939 SHADY LN NARVON, PA 17555 | AFLAC | $363 | — | $363 | 0.99% |
| CAROLE A ROBERDEAU3 | 3430 S SHELDON LN APT 105 SIOUX FALLS, SD 57105 | AFLAC | $337 | — | $337 | 0.92% |
| JOSEPH P HOFFMAN3 | 601 N THORNBUSH CIR HARTLAND, WA 53029 | AFLAC | $282 | — | $282 | 0.77% |
| JACK D BREES3 Filed as: JACK BREES | 2989 S WAUKESHA RD WEST ALLIS, WI 53227 | AFLAC | $204 | $4 | $208 | 0.57% |
| DIANNE L MARTIN3 Filed as: DIANNE MARTIN | 2230 CAROLINE LN HARRISBURG, PA 17110 | AFLAC | $194 | — | $194 | 0.53% |
| JARED J BUCK3 Filed as: JARED BUCK | 133 W OREGON ST APT 210 MILWAUKEE, WI 53204 | AFLAC | $181 | — | $181 | 0.50% |
| CHRISTINE LOGSLETT3 | 8318 ANNA AVE WIND LAKE, WI 53185 | AFLAC | $174 | — | $174 | 0.48% |
| THE WICHMANN GROUP INC3 | 1106 W 61ST ST KEARNEY, NE 68845 | AFLAC | $107 | — | $107 | 0.29% |
| ANTHONY ALMODOVAR3 | 3605 VARTAN WAY STE 304 HARRISBURG, PA 17110 | AFLAC | $94 | — | $94 | 0.26% |
| SCOTT B LEE3 Filed as: SCOTT LEE | 390 CONCORD DR BROOKFIELD, WI 53005 | AFLAC | $72 | — | $72 | 0.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTIONS CENTER DR CHICAGO, IN 60693 | AFLAC | $51 | — | $51 | 0.14% |
| FRANK J SAUTER3 Filed as: FRANK SAUTER | N1405 STATE ROAD 106 PALMYRA, WI 53156 | AFLAC | $47 | — | $47 | 0.13% |
| MARI JO TRAVIS3 Filed as: MARI TRAVIS | 4285 W COLLEGE AVE MILWAUKEE, WI 53221 | AFLAC | $38 | — | $38 | 0.10% |
| JEREMY KOOI3 | 170 STATE ROAD 23 MINERAL POINT, WI 53565 | AFLAC | $36 | — | $36 | 0.10% |
| JAMEY MILLER INC3 | 12942 193RD AVE E BONNEY LAKE, WA 98391 | AFLAC | $35 | — | $35 | 0.10% |
| JASON SCZEPANIAK3 | 1161 HERITAGE CT SUN PRAIRIE, WI 53590 | AFLAC | $32 | — | $32 | 0.09% |
| KENNETH J HOFFMAN3 Filed as: KENNETH HOFFMAN | N65W13544 COBBLESTONE CT MENOMONEE FALLS, WI 53051 | AFLAC | $32 | — | $32 | 0.09% |
| GLEN T SCHWEIKERT3 Filed as: GLEN SCHWEIKERT | 2211 HIGHLAND SPRINGS PL LOUISVILLE, KS 40245 | AFLAC | $19 | — | $19 | 0.05% |
| JEREMY JAY JOHNSON3 Filed as: JEREMY JOHNSON | 7263 BRAXTON DR NOBLESVILLE, IN 46062 | AFLAC | $18 | — | $18 | 0.05% |
| CRAIG S STADTFELD3 Filed as: CRAIG STADTFELD | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $17 | — | $17 | 0.05% |
| KENNETH DALE STARK3 Filed as: KENNETH STARK | 560 ACORN PASS HARTFORD, VT 53027 | AFLAC | $8 | — | $8 | 0.02% |
| CHRISTOPHER P DOOLEY3 Filed as: CHRISTOPHER DOOLEY | 2903 NORTHWINDS DR EAU CLAIRE, WI 54701 | AFLAC | $4 | — | $4 | 0.01% |
| NATHAN BRONSON3 | W9160 RIPLEY RD CAMBRIDGE, WA 53523 | AFLAC | $4 | — | $4 | 0.01% |
| WILLIAM F MURRAY III3 Filed as: WILLIAM MURRAY III | 1298 SAINT PATRICK WAY SUN PRAIRIE, WI 53590 | AFLAC | $4 | — | $4 | 0.01% |
| MATTHEW G BERGER3 Filed as: MATTHEW BERGER | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $3 | — | $3 | 0.01% |
| ROSS C NELSON3 Filed as: ROSS NELSON | 440 REGENCY PARKWAY DR STE 234 OMAHA, NE 68114 | AFLAC | $2 | — | $2 | 0.01% |
| RYAN GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $2 | — | $2 | 0.01% |
| DARREN RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES W BENCIN3 Filed as: JAMES BENCIN | 11 SHELDRAKE LN WEST PALM BEACH, FL 33418 | AFLAC | $1 | — | $1 | 0.00% |
| ADAM THOMAS GARDNER3 Filed as: ADAM GARDNER | 101 N FARWELL ST STE 203 EAU CLAIRE, WI 54703 | AFLAC | $1 | — | $1 | 0.00% |
| CHRISTOPHER J ZELLNER3 Filed as: CHRISTOPHER ZELLNER | 918 ALDORA LN WAUNAKEE, WA 53597 | AFLAC | $1 | — | $1 | 0.00% |
| MARTIN E BYSTROM3 Filed as: MARTIN BYSTROM | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $1 | — | $1 | 0.00% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $1 | — | $1 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92506 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 13.10% |
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 | 160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 22 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 488 | $2.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 488 | $2.8M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 488 | $2.8M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 413 | $17K |
| Short-term disability | NORTHWESTERN MUTUAL | 202 | $50K |
| Long-term disability | NORTHWESTERN MUTUAL | 202 | $74K |
| Other(2 contracts, 2 carriers) | AFLAC | 413 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 488 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.