| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | GUNDERSEN HEALTH PLAN, INC. | $19K | — | $19K | 1.89% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | DELTA DENTAL OF WISCONSIN | $8K | — | $8K | 9.29% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 14.67% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | ALLSTATE | $6K | — | $6K | 15.56% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 8.53% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $559 | — | $559 | 10.01% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | ALLSTATE | $42 | — | $42 | 10.17% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | ALLSTATE | $38 | — | $38 | 18.36% |
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 | 221 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | ALLSTATE | 221 | $67K |
| Dental | DELTA DENTAL OF WISCONSIN | 127 | $82K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 82 | $6K |
| Life insurance | STANDARD INSURANCE COMPANY | 221 | $26K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 123 | $49K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 123 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.