| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN STUART ROSENBERG3 | 1600 ASPEN CMNS STE 800 MIDDLETON, WI 53562 | NORTHWESTERN MUTUAL | $2K | $390 | $2K | 5.93% |
| WILLIAM JOHN COLLINS3 | 100 E WISCONSIN AVE MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $676 | $172 | $848 | 2.42% |
| BRIAN P DIX3 Filed as: BRIAN DIX | 100 E WISCONSIN AVE MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $676 | $172 | $848 | 2.42% |
| ADAM KELLER3 | 500 ELM GROVE RD STE 201 ELM GROVE, WI 53122 | NORTHWESTERN MUTUAL | $338 | $78 | $416 | 1.19% |
| KOSNICK FNCL GRP INC3 Filed as: KOSNICK AND ASSOC INC | 1600 ASPEN CMNS STE 800 MIDDLETON, WI 53562 | NORTHWESTERN MUTUAL | $375 | $33 | $408 | 1.16% |
| THE HOLTER AGENCY INC3 | 100 E WISCONSIN AVE MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $350 | $31 | $381 | 1.09% |
| DANIEL KRIVOS3 | 500 ELM GROVE RD STE 201 ELM GROVE, WI 53122 | NORTHWESTERN MUTUAL | $56 | $13 | $69 | 0.20% |
| INNOVATIVE BENEFIT SOLUTIONS3 | 11057 N TOWNE SQUARE RD MEQUON, WI 53092 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 11.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIED BENEFIT SYSTEMS INC EIN 36-3086057 TPA | Contract Administrator Service code 13 | — | $20K |
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 | 209 | 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) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 209 | $31K |
| Long-term disability | NORTHWESTERN MUTUAL | 209 | $35K |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 209 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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."
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.