| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WI INC | 1062 OAK FOREST DR #120 ONALASKA, WI 54650 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $25K | — | $25K | 1.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INC | 1062 OAK FOREST DR, STE 120 ONALASKA, WI 54650 | DELTA DENTAL OF WISCONSIN | $7K | — | $7K | 6.42% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WISCONSIN INC | 1062 OAK FOREST DR, STE 120 ONALASKA, WI 54650 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $316 | $2K | 12.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INC | 1062 OAK FOREST DR, STE 120 ONALASKA, WI 54650 | WYSSTA INSURANCE COMPANY INC | $1K | — | $1K | 8.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WISCONSIN INC | 1062 OAK FOREST DR, STE 120 ONALASKA, WI 54650 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $252 | $3K | 22.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WISCONSIN INC | 1062 OAK FOREST DR, STE 120 ONALASKA, WI 54650 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $249 | $1K | 12.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WISCONSIN INC | 1062 OAK FOREST DR, STE 120 ONALASKA, WI 54650 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $223 | $2K | 17.25% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF WI INC | 1062 OAK FOREST DR #120 ONALASKA, WI 54650 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 11.85% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC | ATTN CORPORATE LICENSING ONALASKA, WI 54650 | AMERICAN FIDELITY ASSURANCE COMPANY | $77 | — | $77 | 0.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WISCONSIN INC | 1062 OAK FOREST DR, STE 120 ONALASKA, WI 54650 | GUNDERSEN CLINIC, LTD | $0 | — | $0 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WISCONSIN INC | 1062 OAK FOREST DR, STE 120 ONALASKA, WI 54650 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $156 | $21 | $177 | 17.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT PLAN ADMINISTRATORS EIN 39-0819344 | Claims processing; Contract Administrator Service code 12 | 402 GRAHAM AVE EAU CLAIRE, WI 54702 | $6K |
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 | 247 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 247 | $1.8M |
| Dental | DELTA DENTAL OF WISCONSIN | 151 | $104K |
| Vision | WYSSTA INSURANCE COMPANY INC | 91 | $15K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 170 | $12K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 24 | $10K |
| Prescription drug | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 247 | $1.8M |
| Other(5 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 300 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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.