| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIC INC3 Filed as: TIC INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | PRINCIPAL LIFE INSURANCE COMPANY | $190K | $5K | $195K | 17.96% |
| TIC INC3 Filed as: TIC INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | PRINCIPAL LIFE INSURANCE COMPANY | $157K | $5K | $162K | 15.49% |
| TIC INC3 Filed as: TIC INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $5K | $14K | 1.38% |
| TIC INC3 Filed as: TIC INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $124K | — | $124K | 13.70% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS INC | PO BOX 28 DUBUQUE, IA 52004 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $192 | — | $192 | 0.02% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INS BENEFITS INC | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $128 | — | $128 | 0.01% |
| THE INSURANCE CENTER3 | 701 SAND LAKE RD ONALASKA, WI 54650 | COMPANION LIFE | $74K | — | $74K | 10.00% |
| TIC INC3 Filed as: TIC INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $67K | — | $67K | 10.01% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS INC | P.O. BOX 28 DUBUQUE, IA 52004 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $138 | — | $138 | 0.02% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INS BENEFITS INC | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $96 | — | $96 | 0.01% |
| TIC INC3 Filed as: TIC INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | PRINCIPAL LIFE INSURANCE COMPANY | — | $5K | $5K | 0.76% |
| TIC INC3 Filed as: TIC INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $52K | — | $52K | 7.95% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INS BENEFITS INC | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 1.39% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS INC | P.O. BOX 28 DUBUQUE, IA 52004 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $93 | — | $93 | 0.01% |
| BENEFITS TECHNOLOGIES LLC3 | C/O DWIGHT PIERCE BENEFITS TECH 1200 E TAFT AVE SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | — | $19 | 0.00% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVE SOUTH SUITE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| THE INSURANCE CENTER3 | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERITAS | $29K | — | $29K | 10.00% |
| TIC INC3 Filed as: TIC INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30K | — | $30K | 27.98% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS INC | P.O. BOX 28 DUBUQUE, IA 52004 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 2.70% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INS BENEFITS INC | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.70% |
| TIC INC3 Filed as: TIC INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 11.91% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS INC | P.O. BOX 28 DUBUQUE, IA 52004 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 6.47% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INS BENEFITS INC | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 4.55% |
| TIC INC3 Filed as: TIC INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 10.07% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS INC | P.O. BOX 28 DUBUQUE, IA 52004 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 5.31% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INS BENEFITS INC | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 3.76% |
| BENEFITS TECHNOLOGIES LLC3 | C/O DWIGHT PIERCE BENEFITS TECH 1200 E TAFT AVE SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $142 | — | $142 | 0.18% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVE SOUTH SUITE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $41 | — | $41 | 0.05% |
| BRIAN EDWARD JUND3 | NATIONAL BENEFIT PARTNERS 23282 MILL CREEK DRIVE, SUITE 390 LAGUNA HILLS, CA 92653 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| T I C INC3 Filed as: T.I.C., INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | WYSSTA INSURANCE COMPANY INC | $4K | — | $4K | 10.25% |
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 | 23,980 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 24,011 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE | 2,240 | $743K |
| Dental | AMERITAS | 1,667 | $287K |
| Vision(3 contracts, 2 carriers) | WYSSTA INSURANCE COMPANY INC. | 5,383 | $1.1M |
| Life insurance(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 14,153 | $2.5M |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 2,721 | $1.8M |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 4,663 | $1.0M |
| Other(7 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 3,258 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,153 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.