| 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 | $252K | — | $252K | 12.37% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER.COM INC | P.O. BOX 310411 DES MOINES, IA 50331 | STANDARD INSURANCE COMPANY | — | $33K | $33K | 1.62% |
| 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 | $156K | — | $156K | 8.19% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER.COM INC | P.O. BOX 310411 DES MOINES, IA 50331 | STANDARD INSURANCE COMPANY | — | $31K | $31K | 1.62% |
| TIC INC3 Filed as: TIC, INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | STANDARD INSURANCE COMPANY | $38K | — | $38K | 3.20% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER.COM INC | P.O. BOX 310411 DES MOINES, IA 50331 | STANDARD INSURANCE COMPANY | — | $19K | $19K | 1.62% |
| TIC INC3 Filed as: TIC INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $101K | — | $101K | 10.39% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS INC | PO BOX 28 DUBUQUE, IA 52004 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $129 | — | $129 | 0.01% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INS BENEFITS INC | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $44 | — | $44 | 0.00% |
| T I C INC3 Filed as: T.I.C., INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | PAN-AMERICAN LIFE INSURANCE COMPANY | $10K | — | $10K | 1.04% |
| TIC INC3 Filed as: TIC INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37K | — | $37K | 5.35% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INS BENEFITS INC | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 0.93% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS INC | P.O. BOX 28 DUBUQUE, IA 52004 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $302 | — | $302 | 0.04% |
| BENEFITS TECHNOLOGIES LLC3 | C/O DWIGHT PIERCE BENEFITS TECH 1200 E TAFT AVE SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | — | $25 | 0.00% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVE SOUTH SUITE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| TIC INC3 Filed as: TIC INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $53K | — | $53K | 8.31% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS INC | P.O. BOX 28 DUBUQUE, IA 52004 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $183 | — | $183 | 0.03% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INS BENEFITS INC | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $79 | — | $79 | 0.01% |
| HEWITT INSURANCE BROKERAGE LLC3 | 38030 TREASURY CENTER CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $61 | — | $61 | 0.01% |
| T I C INC3 Filed as: T.I.C, INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | DELTA DENTAL OF WISCONSIN | $11K | — | $11K | 2.14% |
| TIC INC3 Filed as: TIC INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24K | — | $24K | 10.70% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS INC | P.O. BOX 28 DUBUQUE, IA 52004 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $477 | — | $477 | 0.21% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INS BENEFITS INC | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $155 | — | $155 | 0.07% |
| RICHARD L TISCHER3 | 701 SAND LAKE RD ONALASKA, WI 54650 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 0.91% |
| TIC INC3 Filed as: TIC INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17K | — | $17K | 10.66% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS INC | P.O. BOX 28 DUBUQUE, IA 52004 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $955 | — | $955 | 0.60% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INS BENEFITS INC | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $461 | — | $461 | 0.29% |
| TIC INC3 Filed as: TIC INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 5.15% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INS BENEFITS INC | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 0.72% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS INC | P.O. BOX 28 DUBUQUE, IA 52004 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $797 | — | $797 | 0.52% |
| BENEFITS TECHNOLOGIES LLC3 | C/O DWIGHT PIERCE BENEFITS TECH 1200 E TAFT AVE SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $52 | — | $52 | 0.03% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVE SOUTH SUITE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| JUND BRIAN EDWARD3 | NATIONAL BENEFIT PARTNERS 23282 MILL CREEK DR, 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 RD ONALASKA, WI 54650 | WYSSTA INSURANCE COMPANY INC. | $1K | — | $1K | 1.00% |
| RICHARD L TISCHER3 | 701 SAND LAKE RD ONALASKA, WI 54650 | STANDARD INSURANCE COMPANY | $755 | — | $755 | 0.92% |
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 | 31,472 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 51 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 31,523 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PAN-AMERICAN LIFE INSURANCE COMPANY | 1,158 | $926K |
| Dental | DELTA DENTAL OF WISCONSIN | 1,757 | $520K |
| Vision(2 contracts) | WYSSTA INSURANCE COMPANY INC | 7,035 | $1.1M |
| Life insurance(2 contracts) | STANDARD INSURANCE COMPANY | 12,121 | $2.1M |
| Short-term disability(2 contracts) | STANDARD INSURANCE COMPANY | 8,717 | $2.1M |
| Long-term disability | STANDARD INSURANCE COMPANY | 6,194 | $1.2M |
| Other(7 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 4,538 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,121 | — |
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.