| 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 PLANS INSURANCE CORPORATION | $25K | — | $25K | 1.78% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | DELTA DENTAL OF WISCONSIN | $11K | — | $11K | 9.22% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | KANSAS CITY LIFE INSURANCE COMPANY | $13K | — | $13K | 13.48% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 16.49% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 19.75% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 65.12% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | NGL | $840 | — | $840 | 10.00% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | KANSAS CITY LIFE INSURANCE COMPANY | $385 | — | $385 | 12.96% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $289 | — | $289 | 45.23% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $109 | — | $109 | 50.23% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $88 | — | $88 | 65.67% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | METROPOLITAN LIFE INSURANCE COMPANY | $658 | — | $658 | — |
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 | 270 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 2 carriers) | UNITY HEALTH PLANS INSURANCE CORPORATION | 265 | $1.5M |
| Dental | DELTA DENTAL OF WISCONSIN | 164 | $121K |
| Vision | NGL | 164 | $8K |
| Life insurance(2 contracts) | KANSAS CITY LIFE INSURANCE COMPANY | 270 | $103K |
| Short-term disability(3 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 270 | $103K |
| Long-term disability(3 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 270 | $103K |
| Prescription drug | UNITY HEALTH PLANS INSURANCE CORPORATION | 265 | $1.4M |
| Other(2 contracts) | KANSAS CITY LIFE INSURANCE COMPANY | 270 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.