| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WISCONSIN | PO BOX 129 ONALASKA, WI 54650 | GUNDERSEN HEALTH PLAN, INC. | $24K | — | $24K | 1.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INC. | 1131 MAIN STREET ONALASKA, WI 54650 | DELTA DENTAL OF WISCONSIN | $6K | — | $6K | 5.64% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WISCONSIN | 1131 MAIN STREET ONALASKA, WI 54650 | RELIANACE STANDARD LIFE INSURANCE | $2K | — | $2K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WISCONSIN | 1131 MAIN STREET ONALASKA, WI 54650 | RELIANCE STANDARD LIFE INSURANCE | $1K | — | $1K | 10.62% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INC. | 1131 MAIN STREET ONALASKA, WI 54650 | WYSSTA INSURANCE COMPANY INC. | $874 | — | $874 | 8.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WISCONSIN | 1131 MAIN STREET ONALASKA, WI 54650 | RELIANCE STANDARD LIFE INSURANCE | $2K | — | $2K | 20.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WISCONSIN | 1131 MAIN STREET ONALASKA, WI 54650 | RELIANCE STANDARD LIFE INSURANCE | $1K | — | $1K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WISCONSIN | 1062 OAK FOREST DRIVE 120 ONALASKA, WI 54650 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 16.94% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WISCONSIN | PO BOX 129 ONALASKA, WI 54650 | GUNDERSEN HEALTH CLINIC, LTD. | — | — | $0 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WISCONSIN | 1131 MAIN STREET ONALASKA, WI 54650 | RELIANCE STANDARD LIFE INSURANCE | $132 | — | $132 | 14.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| 3PADMINISTRATORS, INC. EIN 20-4139929 | Contract Administrator; Claims processing Service code 12 | 2850 MIDWEST DR ONALASKA, WI 54650 | $8K |
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 | 293 | 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) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GUNDERSEN HEALTH PLAN, INC. | 293 | $1.5M |
| Dental | DELTA DENTAL OF WISCONSIN | 150 | $106K |
| Vision | WYSSTA INSURANCE COMPANY INC. | 70 | $11K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE | 161 | $11K |
| Long-term disability | RELIANACE STANDARD LIFE INSURANCE | 25 | $11K |
| Other(5 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE | 275 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.