| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRICOR, INC3 Filed as: TRICOR INSURANCE - BRENT STRAKA | 724 EAST MAIN STREET STOUGHTON, WI 53589 | GROUP HEALTH COOPERATIVE OF SOUTH CENTRAL WISCONSIN | $72K | — | $72K | 4.82% |
| TRICOR, INC3 Filed as: TRICOR INC - LANCASTER | PO BOX 450 LANCASTER, WI 53813 | HUMANA WISCONSIN HEALTH ORGANIZATION INSURANCE CO. | $13K | — | $13K | 2.86% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS | PO BOX 8950 MADISON, WI 53708 | HUMANA WISCONSIN HEALTH ORGANIZATION INSURANCE CO. | $1K | $0 | $1K | 0.26% |
| TRICOR, INC3 Filed as: TRICOR INSURANCE AGENCY | PO BOX 450 LANCASTER, WI 53813 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 8.95% |
| M3 INSURANCE SOLUTIONS INC3 | PO BOX 8950 MADISON, WI 53708 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $601 | $137 | $738 | 0.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 THIRD PARTY ADMINISTRATOR | Contract Administrator Service code 13 | 2801 HOOVER ROAD STEVENS POINT, WI 54481 | $13K |
| TRICOR INSURANCE INSURANCE BROKER | Insurance agents and brokers Service code 22 | 230 WEST CHERRY STREET LANCASTER, WI 53813 | $1K |
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 | 267 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GROUP HEALTH COOPERATIVE OF SOUTH CENTRAL WISCONSIN | 151 | $1.5M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 261 | $85K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 261 | $85K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 261 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.