| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANTE P PIZZUTI3 | 301 N BROADWAY STE 201 DE PERE, WI 54115 | NORTHWESTERN MUTUAL | $1K | $283 | $2K | 4.93% |
| JUSTIN MATTHEW REBMAN3 | 250 S AUSTRALIAN AVE WEST PALM BEACH, FL 33401 | NORTHWESTERN MUTUAL | $1K | $249 | $1K | 4.35% |
| JOHN KAUFMAN3 Filed as: JOHN STUART WOERFEL | 301 N BROADWAY STE 201 DE PERE, WI 54115 | NORTHWESTERN MUTUAL | $540 | $138 | $678 | 2.22% |
| WILLIAM JAMES MAGOON3 | 301 N BROADWAY STE 201 DE PERE, WI 54115 | NORTHWESTERN MUTUAL | $508 | $117 | $625 | 2.05% |
| DEBRA BLEVONS AGY LLC3 | 4620 N BALLARD RD APPLETON, WI 54913 | NORTHWESTERN MUTUAL | $388 | $34 | $422 | 1.38% |
| WILLIAM FRANK MCKERNAN3 | 250 S AUSTRALIAN AVE STE 1601 WEST PALM BEACH, FL 33401 | NORTHWESTERN MUTUAL | $180 | $43 | $223 | 0.73% |
| STRIANO FNCL GRP LLC3 | 1200 N FEDERAL HWY STE 300 BOCA RATON, FL 33432 | NORTHWESTERN MUTUAL | $160 | $14 | $174 | 0.57% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability | NORTHWESTERN MUTUAL | 106 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 106 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.