| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE INSURANCE CENTER3 | JEFF LECLAIRE 701 SAND LAKE ROAD ONALASKA, WI 546502442 | HEALTH TRADITION | $18K | — | $18K | 1.65% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER, INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46K | — | $46K | 60.27% |
| ANSAY & ASSOCIATES LLC3 | PO BOX 427 EAGLE RIVER, WI 54521 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 7.83% |
| TIC INC3 Filed as: TIC INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $368 | — | $368 | 2.31% |
| ANSAY & ASSOCIATES LLC3 | PO BOX 427 EAGLE RIVER, WI 54521 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $162 | — | $162 | 8.07% |
| TIC INC3 Filed as: TIC INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $79 | — | $79 | 3.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 TPA | Contract Administrator Service code 13 | — | $9K |
| THE INSURANCE CENTER INSURANCE AGENT | Insurance agents and brokers Service code 22 | 701 SAND LAKE ROAD ONALASKA, WI 546502442 | $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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH TRADITION | 240 | $1.2M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 240 | $16K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 220 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.