| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | UNITY HEALTH INSURANCE | $24K | — | $24K | 1.98% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | DELTA DENTAL OF WISCONSIN | $10K | — | $10K | 9.27% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 14.33% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 13.66% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 8.89% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | NGL | $588 | — | $588 | 10.01% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | 10.34% |
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 | 252 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 54 | $37K |
| Dental | DELTA DENTAL OF WISCONSIN | 144 | $103K |
| Vision | NGL | 105 | $6K |
| Life insurance | STANDARD INSURANCE COMPANY | 252 | $33K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 89 | $59K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 89 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.