| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | STANDARD INSURANCE COMPANY | $282K | $0 | $282K | 6.93% |
| BENEFITFOCUS.COM, INC.3 Filed as: BENEFITFOCUS.COM INC | DEPT 3383 PO BOX 123383 DALLAS, TX 75312 | STANDARD INSURANCE COMPANY | $0 | $60K | $60K | 1.48% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | STANDARD INSURANCE COMPANY | $198K | $0 | $198K | 9.87% |
| BENEFITFOCUS.COM, INC.3 Filed as: BENEFITFOCUS.COM INC | 250 MARQUETTE AVE SUITE 900 MINNEALPOLIS, MN 55401 | STANDARD INSURANCE COMPANY | $0 | $38K | $38K | 1.88% |
| BENEFITFOCUS.COM, INC.3 Filed as: BENEFITFOCUS.COM INC | DEPT 3383 PO BOX 123383 DALLAS, TX 75312 | STANDARD INSURANCE COMPANY | $0 | $26K | $26K | 1.45% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | STANDARD INSURANCE COMPANY | $9K | $0 | $9K | 0.48% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $665 | $41K | $42K | 3.53% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS INC | PO BOX 28 DUBUQUE, IA 52004 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $362 | $0 | $362 | 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 | $120 | $0 | $120 | 0.01% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | PAN-AMERICA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 1.01% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $551 | $28K | $28K | 3.27% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS INC | PO BOX 28 DUBUQUE, IA 52004 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $418 | $0 | $418 | 0.05% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INS BENEFITS INC | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $143 | $0 | $143 | 0.02% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $63 | — | $63 | 0.01% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS INC | PO BOX 28 DUBUQUE, IA 52004 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37 | $0 | $37 | 0.00% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INS BENEFITS INC | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | $0 | $36 | 0.00% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $345 | $27K | $28K | 3.28% |
| 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 | 0.69% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS INC | PO BOX 28 DUBUQUE, IA 52004 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $481 | $0 | $481 | 0.06% |
| BENEFITS TECHNOLOGIES LLC3 | 1200 E TAFT AVE SAPULPA, OK 52004 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $52 | $0 | $52 | 0.01% |
| 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 | DELTA DENTAL OF WISCONSIN | $14K | $0 | $14K | 2.13% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 0.91% |
| TIC INC1 | 701 SAND LAKE RD ONALASKA, WI 54650 | WYSSTA INSURANCE COMPANY INC | $2K | $0 | $2K | 1.00% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 0.92% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | PAN-AMERICA LIFE INSURANCE COMPANY | $37 | — | $37 | 1.00% |
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 | 37,507 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 73 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 37,580 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WISCONSIN | 2,395 | $680K |
| Vision(2 contracts) | WYSSTA INSURANCE COMPANY INC | 8,315 | $1.3M |
| Life insurance(2 contracts) | STANDARD INSURANCE COMPANY | 14,959 | $2.1M |
| Short-term disability(2 contracts) | STANDARD INSURANCE COMPANY | 19,492 | $4.4M |
| Long-term disability | STANDARD INSURANCE COMPANY | 7,472 | $1.8M |
| Other(5 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 4,821 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,492 | — |
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.