| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIC INC3 Filed as: TIC, INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | STANDARD INSURANCE COMPANY | $158K | $6K | $164K | 11.27% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER.COM INC | P.O. BOX 310411 DES MOINES, IA 50331 | STANDARD INSURANCE COMPANY | — | $19K | $19K | 1.33% |
| KWIK TRIP INC & SUBSIDIARIES3 | 1626 OAK STREET LA CROSSE, WI 54602 | STANDARD INSURANCE COMPANY | — | $7K | $7K | 0.51% |
| SIERRA-CEDAR INC3 | 1255 ALDERMAN DR ALPHARETTA, GA 30005 | STANDARD INSURANCE COMPANY | — | $103 | $103 | 0.01% |
| TIC INC3 Filed as: TIC, INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | STANDARD INSURANCE COMPANY | $97K | $5K | $102K | 7.32% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER.COM INC | P.O. BOX 310411 DES MOINES, IA 50331 | STANDARD INSURANCE COMPANY | — | $19K | $19K | 1.34% |
| KWIK TRIP INC & SUBSIDIARIES3 | 1626 OAK STREET LA CROSSE, WI 54602 | STANDARD INSURANCE COMPANY | — | $7K | $7K | 0.47% |
| TIC INC3 Filed as: TIC INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $154K | — | $154K | 14.77% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS INC | PO BOX 28 DUBUQUE, IA 52004 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $160 | — | $160 | 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 | $55 | — | $55 | 0.01% |
| TIC INC3 Filed as: TIC, INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | STANDARD INSURANCE COMPANY | $11K | $3K | $15K | 1.76% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER.COM INC | P.O. BOX 310411 DES MOINES, IA 50331 | STANDARD INSURANCE COMPANY | — | $11K | $11K | 1.33% |
| KWIK TRIP INC & SUBSIDIARIES3 | 1626 OAK STREET LA CROSSE, WI 54602 | STANDARD INSURANCE COMPANY | — | $4K | $4K | 0.50% |
| TIC INC3 Filed as: TIC INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $62K | — | $62K | 8.33% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INS BENEFITS INC | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 1.13% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS INC | P.O. BOX 28 DUBUQUE, IA 52004 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $663 | — | $663 | 0.09% |
| BENEFITS TECHNOLOGIES LLC3 | C/O DWIGHT PIERCE BENEFITS TECH 1200 E TAFT AVE SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | — | $32 | 0.00% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVE SOUTH SUITE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| TIC INC3 Filed as: TIC INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $74K | — | $74K | 10.19% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS INC | P.O. BOX 28 DUBUQUE, IA 52004 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $693 | — | $693 | 0.10% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INS BENEFITS INC | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $459 | — | $459 | 0.06% |
| THE INSURANCE CENTER3 | 701 SAND LAKE RD ONALASKA, WI 54650 | COMPANION LIFE | $44K | — | $44K | 10.00% |
| TIC INC3 Filed as: TIC INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | PRINCIPAL LIFE INSURANCE COMPANY | $73K | — | $73K | 17.50% |
| TIC INC3 Filed as: TIC INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | PRINCIPAL LIFE INSURANCE COMPANY | $59K | — | $59K | 15.00% |
| TIC INC3 Filed as: TIC INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 0.48% |
| T I C INC3 Filed as: T.I.C., INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | PAN-AMERICAN LIFE INSURANCE COMPANY | $3K | — | $3K | 1.01% |
| TIC INC3 Filed as: TIC INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $40K | — | $40K | 29.79% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS INC | P.O. BOX 28 DUBUQUE, IA 52004 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $782 | — | $782 | 0.59% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INS BENEFITS INC | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $255 | — | $255 | 0.19% |
| T I C INC3 Filed as: T.I.C., INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | WYSSTA INSURANCE COMPANY INC. | $6K | — | $6K | 4.95% |
| TIC INC3 Filed as: TIC INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18K | — | $18K | 17.49% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS INC | P.O. BOX 28 DUBUQUE, IA 52004 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 4.53% |
| 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 | 3.10% |
| RICHARD L TISCHER3 | 701 SAND LAKE RD ONALASKA, WI 54650 | STANDARD INSURANCE COMPANY | $811 | — | $811 | 0.84% |
| TIC INC3 Filed as: TIC INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 11.23% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS INC | P.O. BOX 28 DUBUQUE, IA 52004 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 3.72% |
| 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 | 2.61% |
| BENEFITS TECHNOLOGIES LLC3 | C/O DWIGHT PIERCE BENEFITS TECH 1200 E TAFT AVE SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $82 | — | $82 | 0.08% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVE SOUTH SUITE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | — | $28 | 0.03% |
| RICHARD L TISCHER3 | 701 SAND LAKE RD ONALASKA, WI 54650 | STANDARD INSURANCE COMPANY | $364 | — | $364 | 0.84% |
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 | 28,291 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 47 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 28,338 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMPANION LIFE | 1,095 | $771K |
| Vision | WYSSTA INSURANCE COMPANY INC. | 1,551 | $128K |
| Life insurance(5 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 15,097 | $2.6M |
| Short-term disability(4 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 11,923 | $2.3M |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 5,902 | $1.2M |
| Other(8 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 3,733 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,097 | — |
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.