| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIC INC3 Filed as: TIC | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE | $160K | $0 | $160K | 9.82% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INS BENEFITES INC | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | AMERICAN HERITAGE LIFE INSURANCE | $39K | $0 | $39K | 2.38% |
| DWIGHT L PIERCE3 Filed as: DWIGHT LEEROY PIERCE | 1200 EAST TAFT STREET SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE INSURANCE | $96 | $0 | $96 | 0.01% |
| BRIAN EDWARD JUND3 | NATIONAL BENEFIT PARTNERS 23282 MILL CREEK DRIVE, SUITE 390 LAGUNA HILLS, CA 92653 | AMERICAN HERITAGE LIFE INSURANCE | $3 | $0 | $3 | 0.00% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS INC | PO BOX 28 DUBUQUE, IA 520040028 | AMERICAN HERITAGE LIFE INSURANCE | $1 | $0 | $1 | 0.00% |
| TIC INC3 Filed as: TIC INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | PRINCIPAL LIFE INSURANCE COMPANY | $159K | $3K | $162K | 17.86% |
| TIC INC3 Filed as: TIC INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $3K | $13K | 1.48% |
| TIC INC3 Filed as: TIC INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | PRINCIPAL LIFE INSURANCE COMPANY | $124K | $3K | $128K | 15.39% |
| TIC INC3 Filed as: TIC INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.61% |
| TIC INC3 Filed as: TIC | 701 SAND LAKE RD ONALASKA, WI 54650 | SISCO | $43K | $0 | $43K | 10.00% |
| TIC INC3 Filed as: TIC | 701 SAND LAKE RD ONALASKA, WI 54650 | SISCO | $24K | $0 | $24K | 10.00% |
| TIC INC3 Filed as: TIC | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE | $12K | $0 | $12K | 10.92% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INS BENEFITS INC | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | AMERICAN HERITAGE LIFE INSURANCE | $5K | $0 | $5K | 4.04% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS INC | PO BOX 28 DUBUQUE, IA 520040028 | AMERICAN HERITAGE LIFE INSURANCE | $4K | $0 | $4K | 3.12% |
| DWIGHT L PIERCE3 Filed as: DWIGHT L. PIERCE | BENEFITS TECHNOLOGIES 2300 NW CORPORATE BLVD #215 BOCA RATON, FL 33431 | AMERICAN HERITAGE LIFE INSURANCE | $947 | — | $947 | 0.84% |
| BRIAN EDWARD JUND3 | NATIONAL BENEFIT PARTNERS 23282 MILL CREEK DRIVE, SUITE 390 LAGUNA HILLS, CA 92653 | AMERICAN HERITAGE LIFE INSURANCE | $38 | $0 | $38 | 0.03% |
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 | 18,112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 18,140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE | 3,384 | $2.2M |
| Dental(2 contracts, 2 carriers) | WYSSTA INSURANCE COMPANY INC. | 3,557 | $778K |
| Vision(2 contracts, 2 carriers) | WYSSTA INSURANCE COMPANY INC. | 3,557 | $778K |
| Life insurance(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 10,649 | $1.9M |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 2,243 | $1.3M |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 3,538 | $871K |
| Other | SISCO | 0 | $427K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,649 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.