| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIC INC3 Filed as: TIC INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | HEALTH TRADITION | $17K | — | $17K | 2.85% |
| THE INSURANCE CENTER3 | 701 SAND LAKE ROAD ONALASKA, WI 546502442 | DELTA DENTAL OF WISCONSIN | $8K | — | $8K | 9.25% |
| TIC INC3 | 701 SAND LAKE ROAD ONALASKA, WI 546502442 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $8K | 18.50% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | HEALTH TRADITION | $669 | — | $669 | 2.26% |
| TIC INC3 | 701 SAND LAKE ROAD ONALASKA, WI 54650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $654 | $4K | 18.41% |
| TIC INC3 | 701 SAND LAKE ROAD ONALASKA, WI 54650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $629 | $3K | 18.34% |
| THE INSURANCE CENTER3 | 701 SAND LAKE ROAD ONALASKA, WI 546502442 | WYSSTA INSURANCE COMPANY INC | $900 | — | $900 | 8.01% |
| TIC INC3 | 701 SAND LAKE ROAD ONALASKA, WI 546502442 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $355 | $2K | 18.50% |
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 | 278 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HEALTH TRADITION | 142 | $630K |
| Dental | DELTA DENTAL OF WISCONSIN | 164 | $86K |
| Vision | WYSSTA INSURANCE COMPANY INC | 98 | $11K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 240 | $29K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $44K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $19K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 240 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.