| 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 STE 120 ONALASKA, WI 54650 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $24K | — | $24K | 1.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT | 1062 OAK FOREST DR STE 120 ONALASKA, WI 54650 | DELTA DENTAL OF WISCONSIN | $6K | — | $6K | 6.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WI INC | 1062 OAK FOREST DR STE 120 ONALASKA, WI 54650 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $314 | $2K | 11.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WI INC | 1062 OAK FOREST DR STE 120 ONALASKA, WI 54650 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 13.98% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC | ATTN CORPORATE LICENSING ONALASKA, WI 54650 | AMERICAN FIDELITY ASSURANCE COMPANY | $33 | — | $33 | 0.19% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT | 1062 OAK FOREST DR STE 120 ONALASKA, WI 54650 | WYSSTA INSURANCE COMPANY INC | $1K | — | $1K | 8.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WI INC | 1062 OAK FOREST DR STE 120 ONALASKA, WI 54650 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $256 | $3K | 21.78% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WI INC | 1062 OAK FOREST DR STE 120 ONALASKA, WI 54650 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $223 | $1K | 11.83% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WI INC | 1062 OAK FOREST DR STE 120 ONALASKA, WI 54650 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $235 | $2K | 16.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WI 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 WI INC | 1062 OAK FOREST DR STE 120 ONALASKA, WI 54650 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $176 | $23 | $199 | 16.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFITS CORPORATION EIN 39-2044064 | Contract Administrator; Claims processing Service code 12 | PO BOX 44347 MADISON, WI 53744 | $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 | 249 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 249 | $1.6M |
| Dental | DELTA DENTAL OF WISCONSIN | 147 | $105K |
| Vision | WYSSTA INSURANCE COMPANY INC | 94 | $14K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 145 | $13K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 30 | $12K |
| Prescription drug | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 249 | $1.6M |
| Other(5 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 300 | $55K |
| 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.