| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE INSURANCE CENTER3 | 701 SAND LAKE RD ONALASKA, WI 546502442 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $13K | — | $13K | 2.00% |
| T I C INC3 Filed as: T.I.C., INC. | 701 SAND LAKE RD ONALASKA, WI 546502442 | DELTA DENTAL OF WISCONSIN | $3K | — | $3K | 6.07% |
| T I C INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 14.77% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 5.96% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $211 | $211 | 1.02% |
| T I C INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $908 | $1K | $2K | 11.87% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $886 | — | $886 | 4.94% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $175 | $175 | 0.98% |
| T I C INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $2K | 14.41% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 701 SAND LAKE RD ONALASKA, WI 54650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 7.45% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BLVD DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $158 | $158 | 0.98% |
| T I C INC3 Filed as: T.I.C., INC. | 701 SAND LAKE RD ONALASKA, WI 546502442 | WYSSTA INSURANCE COMPANY INC | $521 | — | $521 | 8.01% |
| T I C INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $552 | — | $552 | 11.61% |
| T I C INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $227 | $299 | $526 | 12.14% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $206 | — | $206 | 4.75% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $43 | $43 | 0.99% |
| T I C INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $373 | — | $373 | 11.24% |
| T I C INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $360 | — | $360 | 11.34% |
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 | 106 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 90 | $669K |
| Vision(2 contracts, 2 carriers) | DELTA DENTAL OF WISCONSIN | 65 | $53K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $4K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $21K |
| Prescription drug | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 90 | $669K |
| Other(7 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 141 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.