| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN STUART ROSENBERG3 | 1600 ASPEN CMNS STE 800 MIDDLETON, WI 53562 | NORTHWESTERN MUTUAL | $2K | $516 | $3K | 6.62% |
| WILLIAM JOHN COLLINS3 | 100 E WISCONSIN AVE MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $819 | $229 | $1K | 2.71% |
| BRIAN P DIX3 Filed as: BRIAN DIX | 100 E WISCONSIN AVE MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $819 | $229 | $1K | 2.71% |
| ADAM KELLER3 | 500 ELM GROVE RD STE 201 ELM GROVE, WI 53122 | NORTHWESTERN MUTUAL | $410 | $103 | $513 | 1.32% |
| KOSNICK FNCL GRP INC3 | 1600 ASPEN CMNS STE 800 MIDDLETON, WI 53562 | NORTHWESTERN MUTUAL | $410 | $49 | $459 | 1.18% |
| THE HOLTER AGENCY INC3 | 100 E WISCONSIN AVE MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $369 | $44 | $413 | 1.07% |
| DANIEL KRIVOS3 | 500 ELM GROVE RD STE 201 ELM GROVE, WI 53122 | NORTHWESTERN MUTUAL | $41 | $15 | $56 | 0.14% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $63K |
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 | 215 | 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) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 215 | $34K |
| Long-term disability | NORTHWESTERN MUTUAL | 213 | $39K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 215 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.