| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD3 Filed as: SUN LIFE ASSURANCE COMPANY OF CANAD | ONE SUN LIFE EXECUTIVE PARK WEILLESLEY HILLS, MA 02481 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | — | $0 | 0.00% |
| THE INSURANCE CENTER3 | 701 SAND LAKE RD ONALASKA, WI 54650 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $6K | — | $6K | 5.24% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | DELTA DENTAL OF WISCONSIN | $8K | — | $8K | 9.08% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $2K | $13K | 18.22% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $928 | $5K | 18.49% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $677 | $4K | 18.24% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | WYSSTA INSURANCE COMPANY INC. | $1K | — | $1K | 8.09% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $475 | $2K | 18.63% |
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 | 208 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WISCONSIN | 160 | $86K |
| Vision | WYSSTA INSURANCE COMPANY INC. | 128 | $14K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 218 | $40K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 136 | $69K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 89 | $21K |
| Prescription drug | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 145 | $122K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 129 | $253K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 218 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.