| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $38 | $3K | 2.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2120 PEWAUKEE RD STE 202 WAUKESHA, WI 53188 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $22 | $22 | 0.02% |
| PATRICK T HORNE3 | 20825 SWENSON DR STE 250 WAUKESHA, WI 53186 | NORTHWESTERN MUTUAL | $2K | $626 | $3K | 4.18% |
| JEROD THOMAS SPAETH3 | STE 950 330 E KILBOURN AVE MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $2K | $626 | $3K | 4.18% |
| DI MEGLIO FNCL GRP LLC3 | STE 950 330 E KILBOURN AVE MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $745 | $89 | $834 | 1.12% |
| ANDREW J WHITE3 | 20825 SWENSON DR STE 250 WAUKESHA, WI 53186 | NORTHWESTERN MUTUAL | $248 | $89 | $337 | 0.45% |
| PATRICK T HORNE3 | 20825 SWENSON DR STE 250 WAUKESHA, WI 53186 | NORTHWESTERN MUTUAL | $2K | $421 | $2K | 3.22% |
| JEROD THOMAS SPAETH3 | STE 950 330 E KILBOURN AVE MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $2K | $421 | $2K | 3.22% |
| DI MEGLIO FNCL GRP LLC3 | STE 950 330 E KILBOURN AVE MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $501 | $60 | $561 | 0.86% |
| ANDREW J WHITE3 | 20825 SWENSON DR STE 250 WAUKESHA, WI 53186 | NORTHWESTERN MUTUAL | $167 | $60 | $227 | 0.35% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 20.50% |
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 | 206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 308 | $126K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 308 | $126K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 225 | $18K |
| Short-term disability | NORTHWESTERN MUTUAL | 204 | $65K |
| Long-term disability | NORTHWESTERN MUTUAL | 204 | $74K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 225 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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.