| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRICOR LLC3 Filed as: TRICOR, INC | 230 W CHERRY ST LANCASTER, WI 53813 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $1K | $7K | 18.38% |
| TRICOR LLC3 Filed as: TRICOR, INC | 230 W CHERRY ST LANCASTER, WI 53813 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $6K | 15.33% |
| THE WORKSITE GROUP LLC3 | 1900 POLARIS PARKWAY SUITE 450 COLUMBUS, OH 43240 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 42.00% |
| TRICOR LLC3 Filed as: TRICOR, INC. | 230 W CHERRY ST LANCASTER, WI 53813 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 26.00% |
| THIRD COAST ADVISORS INC3 | 1166 QUAIL CT #100 PEWAUKEE, WI 53072 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $259 | — | $259 | 0.99% |
| TRICOR LLC3 Filed as: TRICOR INSURANCE AGENCY | 230 W CHERRY ST LANCASTER, WI 53813 | WYSSTA INSURANCE COMPANY INC | $2K | — | $2K | 7.75% |
| TRICOR LLC3 Filed as: TRICOR, INC | 230 W CHERRY ST LANCASTER, WI 53813 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $986 | $4K | 19.68% |
| THE WORKSITE GROUP LLC3 | 1900 POLARIS PARKWAY SUITE 450 COLUMBUS, OH 43240 | COMBINED INSURANCE | $2K | — | $2K | 48.90% |
| TRICOR LLC3 Filed as: TRICOR, INC | 230 W CHERRY ST LANCASTER, WI 53813 | COMBINED INSURANCE | $1K | — | $1K | 32.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRAIRIE STATES ENTERPRISES, INC CLAIMS PROCESSING | Claims processing Service code 12 | 35 EAST WACKER DRIVE SUITE 3200 CHICAGO, IL 60601 | $107K |
| PHCS EIN 39-1634080 CLAIMS PROCESSING | Other insurance fees and expenses; Claims processing Service code 12 | — | $10K |
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 TPA(DENTAL BENEFIT) | Contract Administrator Service code 13 | — | $9K |
| TRICOR INSURANCE AGENCY INS AGENT OR BROKER | Insurance agents and brokers Service code 22 | 230 W CHERRY ST LANCASTER, WI 53813 | $2K |
| COFINITY EIN 20-1274723 CLAIMS PROCESSING | Other insurance fees and expenses; Claims processing Service code 12 | — | $54 |
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 | 236 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | WYSSTA INSURANCE COMPANY INC | 139 | $24K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 230 | $36K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 230 | $40K |
| Stop-loss / reinsurancereinsurance | UME/GERBER LIFE INS CO | 173 | $363K |
| Other(5 contracts, 4 carriers) | UME/GERBER LIFE INS CO | 230 | $451K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.