| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | WISCONSIN PHYSICIANS SERVICE INSURANCE CORPORATION | $5K | — | $5K | 1.52% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $4K | $9K | 25.00% |
| JUSTIN MATTHEW REBMAN3 | 250 S AUSTRALIAN AVE WEST PALM BEACH, FL 33401 | NORTHWESTERN MUTUAL | $1K | $258 | $1K | 4.38% |
| DANTE P PIZZUTI3 | 29 S MAIN ST STE 201 WEAT HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $1K | $258 | $1K | 4.32% |
| JOHN KAUFMAN3 Filed as: JOHN STUART WOERFEL | 301 N BROADWAY STE 201 DE PERE, CT 06107 | NORTHWESTERN MUTUAL | $992 | $262 | $1K | 4.10% |
| WILLIAM FRANK MCKERNAN3 | 250 S AUSTRALIAN AVE STE 1601 WEST PALM BEACH, FL 33401 | NORTHWESTERN MUTUAL | $52 | $20 | $72 | 0.24% |
| DEBRA BLEVONS AGY LLC3 | 4620 N BALLARD RD APPLETON, WI 54913 | NORTHWESTERN MUTUAL | $51 | $8 | $59 | 0.19% |
| STRIANO FNCL GRP LLC3 | 1200 N FEDERAL HWY STE 300 BOCA RATON, FL 33432 | NORTHWESTERN MUTUAL | $47 | $6 | $53 | 0.17% |
| NM WEST HARTFORD LLC3 | 29 S MAIN ST STE 201 WEST HARTFORD, WI 54115 | NORTHWESTERN MUTUAL | $34 | $4 | $38 | 0.12% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP, LLC | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $530 | — | $530 | 10.00% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $672 | $398 | $1K | 23.88% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WISCONSIN PHYSICIANS SERVICE INSURANCE CORPORATION | 52 | $319K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 153 | $5K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 97 | $37K |
| Long-term disability | NORTHWESTERN MUTUAL | 117 | $31K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 93 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.