| 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 | 2.50% |
| THE INSURANCE CENTER3 | 701 SAND LAKE ROAD ONALASKA, WI 546502442 | DELTA DENTAL OF WISCONSIN | $7K | $9K | $16K | 19.95% |
| TIC INC3 | 701 SAND LAKE ROAD ONALASKA, WI 546502442 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $1K | $7K | 17.54% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | HEALTH TRADITION | $480 | — | $480 | 2.03% |
| TIC INC3 | 701 SAND LAKE ROAD ONALASKA, WI 54650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $495 | $4K | 17.45% |
| TIC INC3 | 701 SAND LAKE ROAD ONALASKA, WI 54650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $468 | $3K | 17.56% |
| THE INSURANCE CENTER3 | 701 SAND LAKE ROAD ONALASKA, WI 546502442 | WYSSTA INSURANCE COMPANY INC | $800 | $800 | $2K | 14.71% |
| TIC INC3 | 701 SAND LAKE ROAD ONALASKA, WI 546502442 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $243 | $2K | 17.39% |
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 | 282 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HEALTH TRADITION | 152 | $700K |
| Dental | DELTA DENTAL OF WISCONSIN | 165 | $81K |
| Vision | WYSSTA INSURANCE COMPANY INC | 98 | $11K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 241 | $30K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 159 | $42K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 110 | $18K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 241 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.