| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| T I C INC3 Filed as: T.I.C., INC. | 701 SAND LAKE RD ONALASKA, WI 546502442 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $56K | $38K | $94K | 16.74% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 0.96% |
| T I C INC3 Filed as: T.I.C., INC. | 701 SAND LAKE RD ONALASKA, WI 546502442 | DELTA DENTAL OF WISCONSIN | $12K | — | $12K | 2.79% |
| T I C INC3 Filed as: T.I.C., INC. | 701 SAND LAKE RD ONALASKA, WI 546502442 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37K | — | $37K | 18.61% |
| DITORO GUADALUPE3 | PO BOX 258 HAMPTON, IL 61256 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $170 | — | $170 | 0.08% |
| HENRY SCHMIDT3 Filed as: HENRY J SCHMIDT | 37 S ROUTE 12 FOX LAKE, IL 60020 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $56 | — | $56 | 0.03% |
| J N MORALES LTD3 Filed as: J.N. MORALES LTD | 5717 N MILWAUKEE AVE CHICAGO, IL 60646 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | — | $26 | 0.01% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 258 HAMPTON, IL 61256 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | — | $19 | 0.01% |
| T I C INC3 Filed as: T.I.C., INC. | 701 SAND LAKE RD ONALASKA, WI 546502442 | DELTA DENTAL OF WISCONSIN | $4K | — | $4K | 3.75% |
| T I C INC3 Filed as: T.I.C., INC. | 701 SAND LAKE RD ONALASKA, WI 546502442 | WYSSTA INSURANCE COMPANY INC | $7K | — | $7K | 8.16% |
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 | 1,627 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,627 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF WISCONSIN | 743 | $618K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,657 | $763K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,657 | $763K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,657 | $561K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,657 | $763K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,657 | — |
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.