| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN STUART ROSENBERG3 | 1600 ASPEN CMNS STE 800 MIDDLETON, WI 53562 | NORTHWESTERN MUTUAL | $1K | $374 | $2K | 7.78% |
| BRIAN P DIX3 Filed as: BRIAN DIX | 100 E WISCONSIN AVE MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $594 | $150 | $744 | 3.11% |
| WILLIAM JOHN COLLINS3 | 100 E WISCONSIN AVE MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $594 | $150 | $744 | 3.11% |
| ADAM KELLER3 | 500 ELM GROVE RD STE 201 ELM GROVE, WI 53122 | NORTHWESTERN MUTUAL | $297 | $75 | $372 | 1.56% |
| THE HOLTER AGENCY INC3 | 100 E WISCONSIN AVE MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $297 | $43 | $340 | 1.42% |
| NM MNO LLC3 | 1600 ASPEN CMNS STE 800 MIDDLETON, WI 53562 | NORTHWESTERN MUTUAL | $297 | $36 | $333 | 1.39% |
| UNITED OF OMAHA LIFE INSURANCE CO5 | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 CLAIMS | Claims processing Service code 12 | — | $51K |
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 | 224 | 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) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 224 | $37K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 224 | $0 |
| Long-term disability(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 224 | $34K |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 224 | $45K |
| 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."
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.