| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| T I C INC3 Filed as: T I C INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | UNITY HEALTH INSURANCE | $23K | — | $23K | 2.07% |
| T I C INC3 Filed as: T I C INC. | 701 SAND LAKE ROAD ONALASKA, WI 546502442 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $1K | $8K | 12.89% |
| T I C INC3 Filed as: T I C INC. | 701 SAND LAKE ROAD ONALASKA, WI 546502442 | AMERITAS LIFE INSURANCE CORP. | $2K | $987 | $3K | 5.72% |
| T I C INC3 Filed as: T I C INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16K | — | $16K | 42.00% |
| T I C INC3 Filed as: T I C INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 37.62% |
| T I C INC3 Filed as: T I C INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 39.36% |
| T I C INC3 Filed as: T I C INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 28.08% |
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 | 203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITY HEALTH INSURANCE | 228 | $1.1M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 270 | $57K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 270 | $57K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 292 | $61K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 292 | $61K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 292 | $61K |
| Other(4 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 62 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.