| 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 | $274K | — | $274K | 12.89% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INS BENEFITS INC | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | AMERICAN HERITAGE LIFE INSURANCE | $11K | — | $11K | 0.53% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS INC | PO BOX 28 DUBUQUE, ID 52004 | AMERICAN HERITAGE LIFE INSURANCE | $466 | — | $466 | 0.02% |
| DWIGHT L PIERCE3 Filed as: DWIGHT L. PIERCE | BENEFITS TECHNOLOGIES LLC 1200 EAST TAFT STREET SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE INSURANCE | $29 | — | $29 | 0.00% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVE SOUTH STE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE | $6 | — | $6 | 0.00% |
| TIC INC3 Filed as: TIC INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | PRINCIPAL LIFE INSURANCE COMPANY | $194K | $10K | $204K | 18.40% |
| TIC INC3 Filed as: TIC INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | PRINCIPAL LIFE INSURANCE COMPANY | $146K | $10K | $156K | 16.20% |
| TIC INC3 Filed as: TIC INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $10K | $20K | 2.07% |
| TIC INC3 Filed as: TIC | 701 SAND LAKE RD ONALASKA, WI 54650 | SISCO | $57K | — | $57K | 10.00% |
| TIC INC3 Filed as: TIC INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $10K | $10K | 2.35% |
| TIC INC3 Filed as: TIC | 701 SAND LAKE RD ONALASKA, WI 54650 | SISCO | $29K | — | $29K | 10.00% |
| TIC INC3 Filed as: TIC | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE | $22K | — | $22K | 13.61% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS INC | PO BOX 28 DUBUQUE, ID 52004 | AMERICAN HERITAGE LIFE INSURANCE | $10K | — | $10K | 6.38% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INS BENEFITS INC | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | AMERICAN HERITAGE LIFE INSURANCE | $8K | — | $8K | 4.65% |
| DWIGHT L PIERCE3 Filed as: DWIGHT L. PIERCE | BENEFITS TECHNOLOGIES 1200 EAST TAFT STREET SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE INSURANCE | $184 | — | $184 | 0.11% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVE SOUTH STE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE | $51 | — | $51 | 0.03% |
| BRIAN EDWARD JUND3 | NATIONAL BENEFIT PARTNERS 23282 MILL CREEK DRIVE, SUITE 390 LAGUNA HILLS, CA 92653 | AMERICAN HERITAGE LIFE INSURANCE | $2 | — | $2 | 0.00% |
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 | 22,616 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 22,626 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE | 7,709 | $2.9M |
| Dental(2 contracts, 2 carriers) | WYSSTA INSURANCE COMPANY INC. | 4,861 | $1.0M |
| Vision(2 contracts, 2 carriers) | WYSSTA INSURANCE COMPANY INC. | 4,861 | $1.0M |
| Life insurance(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 12,768 | $2.1M |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 2,617 | $1.5M |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 4,273 | $952K |
| Other | SISCO | 0 | $573K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,768 | — |
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.