| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| T I C INC3 Filed as: T.I.C. INC | 701 SAND LAKE ROAD ONALASKA, WI 54650 | STANDARD INSURANCE COMPANY | $21K | $0 | $21K | 5.03% |
| T I C INC3 Filed as: T.I.C. INC | 701 SAND LAKE ROAD ONALASKA, WI 54650 | DELTA DENTAL OF WISCONSIN | $39K | $0 | $39K | 11.16% |
| T I C INC3 Filed as: T.I.C. INC | 701 SAND LAKE ROAD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $92K | $0 | $92K | 41.76% |
| T I C INC3 Filed as: T.I.C. INC | 701 SAND LAKE ROAD ONALASKA, WI 54650 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 2.40% |
| T I C INC3 Filed as: T.I.C. INC | 701 SAND LAKE ROAD ONALASKA, WI 54650 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $191 | $191 | 0.31% |
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 | 545 | 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) | 545 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WISCONSIN | 400 | $345K |
| Life insurance(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 545 | $554K |
| Short-term disability(2 contracts) | STANDARD INSURANCE COMPANY | 545 | $492K |
| Long-term disability(2 contracts) | STANDARD INSURANCE COMPANY | 545 | $492K |
| Other(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 545 | $712K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 545 | — |
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.
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.