| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIC INC3 Filed as: TIC, INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | BLUECROSS BLUESHIELD OF ILLINOIS | $70K | $0 | $70K | 2.90% |
| USI INSURANCE SERVICES LLC3 | 222 SOUTH RIVERSIDE PLAZA SUITE 900 CHICAGO, IL 60606 | BLUECROSS BLUESHIELD OF ILLINOIS | $22K | $0 | $22K | 0.93% |
| TIC INC3 Filed as: TIC, INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $2K | $10K | 13.43% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.80% |
| ADP INC5 Filed as: AUTOMATIC DATA PROCESSING, INC. | PO BOX 842875 BOSTON, MA 02284 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.62% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BOULEVARD SUITE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $380 | $380 | 0.50% |
| TIC INC3 Filed as: TIC, INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | VISION SERVICE PLAN | $764 | $0 | $764 | 4.57% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $274 | $0 | $274 | 1.64% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $49 | $0 | $49 | 0.29% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | VISION SERVICE PLAN | $49 | $0 | $49 | 0.29% |
No Schedule C service providers reported on this filing.
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 | 151 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 267 | $2.4M |
| Vision | VISION SERVICE PLAN | 105 | $17K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 151 | $76K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 151 | $76K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 267 | $2.4M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 151 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.