| 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 | $7K | — | $7K | 15.00% |
| TRICOR LLC3 Filed as: TRICOR, INC | 230 W CHERRY ST LANCASTER, WI 53813 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 12.00% |
| THE WORKSITE GROUP LLC3 | 1900 POLARIS PARKWAY SUITE 450 COLUMBUS, OH 43240 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $429 | $5K | 13.19% |
| TRICOR LLC3 Filed as: TRICOR, INC. | 230 W CHERRY ST LANCASTER, WI 53813 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.00% |
| THIRD COAST ADVISORS INC3 | 1166 QUAIL CT #100 PEWAUKEE, WI 53072 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22 | — | $22 | 0.06% |
| TRICOR LLC3 Filed as: TRICOR INSURANCE AGENCY | 230 W CHERRY ST LANCASTER, WI 53813 | WYSSTA INSURANCE COMPANY INC | $2K | — | $2K | 8.68% |
| TRICOR LLC3 Filed as: TRICOR, INC | 230 W CHERRY ST LANCASTER, WI 53813 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRAIRIE STATES ENTERPRISES, INC CLAIMS PROCESSING | Claims processing Service code 12 | 35 EAST WACKER DRIVE SUITE 3200 CHICAGO, IL 60601 | $195K |
| PHCS EIN 39-1634080 CLAIMS PROCESSING | Claims processing; Other insurance fees and expenses Service code 12 | — | $34K |
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 TPA(DENTAL BENEFIT) | Contract Administrator Service code 13 | — | $10K |
| TRICOR, LLC. INS AGENT OR BROKER | Insurance agents and brokers Service code 22 | 230 W CHERRY ST LANCASTER, WI 53813 | $2K |
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 | 332 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | WYSSTA INSURANCE COMPANY INC | 150 | $28K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 230 | $42K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 230 | $47K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 230 | $438K |
| Other(4 contracts, 3 carriers) | HCC LIFE INSURANCE COMPANY | 230 | $543K |
| 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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.