| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | STANDARD INSURANCE COMPANY | $258K | $0 | $258K | 7.88% |
| BENEFITFOCUS.COM, INC.3 Filed as: BENEFITFOCUS.COM INC | DEPT 3383 PO BOX 123383 DALLAS, TX 75312 | STANDARD INSURANCE COMPANY | $0 | $42K | $42K | 1.29% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER.COM INC | PO BOX 310411 DES MOINES, IA 50331 | STANDARD INSURANCE COMPANY | — | $3K | $3K | 0.10% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | STANDARD INSURANCE COMPANY | $272K | $0 | $272K | 12.03% |
| BENEFITFOCUS.COM, INC.3 Filed as: BENEFITFOCUS.COM INC | DEPT 3383 PO BOX 123383 DALLAS, TX 75312 | STANDARD INSURANCE COMPANY | $0 | $31K | $31K | 1.36% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER.COM INC | PO BOX 310411 DES MOINES, IA 50331 | STANDARD INSURANCE COMPANY | $0 | $3K | $3K | 0.15% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | STANDARD INSURANCE COMPANY | $23K | — | $23K | 1.58% |
| BENEFITFOCUS.COM, INC.3 Filed as: BENEFITFOCUS.COM INC | DEPT 3383 PO BOX 123383 DALLAS, TX 75312 | STANDARD INSURANCE COMPANY | — | $20K | $20K | 1.34% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER.COM INC | PO BOX 310411 DES MOINES, IA 50331 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 0.15% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS INC | PO BOX 28 DUBUQUE, IA 52004 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $432 | $0 | $432 | 0.04% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INS BENEFITS INC | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $140 | $0 | $140 | 0.01% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | $0 | $10 | 0.00% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS INC | PO BOX 28 DUBUQUE, IA 52004 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $586 | $0 | $586 | 0.07% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INS BENEFITS INC | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $228 | $0 | $228 | 0.03% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $70 | $0 | $70 | 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 | $6K | $0 | $6K | 0.77% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS INC | PO BOX 28 DUBUQUE, IA 52004 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $620 | $0 | $620 | 0.07% |
| BENEFITS TECHNOLOGIES LLC3 | 1200 E TAFT AVE SAPULPA, OK 52004 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $60 | $0 | $60 | 0.01% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVENUE SOUTH ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | $0 | $9 | 0.00% |
| JUND BRIAN EDWARD3 | 99 WOOD AVENUE SOUTH ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | PAN-AMERICA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 1.01% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | DELTA DENTAL OF WISCONSIN | $12K | $0 | $12K | 2.07% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 0.96% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | WYSSTA INSURANCE COMPANY INC | $2K | $0 | $2K | 1.01% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | STANDARD INSURANCE COMPANY | $951 | — | $951 | 0.97% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | PAN-AMERICA LIFE INSURANCE COMPANY | $86 | $0 | $86 | 1.01% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $236 | $0 | $236 | 12.81% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $2 | $2 | 0.11% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $47 | $0 | $47 | 7.45% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $56 | $0 | $56 | 10.63% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INS BENEFITS INC | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.76% |
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 | 35,977 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 67 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 36,044 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WISCONSIN | 2,104 | $591K |
| Vision(2 contracts) | WYSSTA INSURANCE COMPANY INC | 7,878 | $1.2M |
| Life insurance(2 contracts) | STANDARD INSURANCE COMPANY | 14,301 | $2.4M |
| Short-term disability(2 contracts) | STANDARD INSURANCE COMPANY | 19,109 | $3.5M |
| Long-term disability | STANDARD INSURANCE COMPANY | 3,793 | $1.5M |
| Other(8 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 4,677 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,109 | — |
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.