| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2120 PEWAUKEE ROAD, SUITE 202 WAUKESHA, WI 53188 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $19K | $23K | 3.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3635 RIVERSIDE PLAZA DRIVE RIVERSIDE, CA 92506 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $2K | $2K | 0.32% |
| JEROD THOMAS SPAETH3 | 330 EAST KILBOURN AVENUE MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $3K | $770 | $4K | 15.36% |
| LUEDER FNCL GRP LLC3 Filed as: LUEDER FINANCIAL GROUP LLC | 330 EAST KILBORN AVENUE SUITE 950 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $611 | $73 | $684 | 2.75% |
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 | 104 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 224 | $737K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 224 | $737K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 224 | $737K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 159 | $30K |
| Short-term disability | NORTHWESTERN MUTUAL | 99 | $25K |
| Long-term disability | NORTHWESTERN MUTUAL | 99 | $25K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 224 | $737K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 159 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.