| 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 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $26K | — | $26K | 1.74% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | DELTA DENTAL OF WISCONSIN | $12K | — | $12K | 9.23% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | KANSAS CITY LIFE INSURANCE COMPANY | $14K | — | $14K | 13.40% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 14.48% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 17.13% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 21.74% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | NGL | $968 | — | $968 | 10.00% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | KANSAS CITY LIFE INSURANCE COMPANY | $617 | — | $617 | 12.00% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $239 | — | $239 | 16.28% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $256 | — | $256 | 30.26% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $228 | — | $228 | 46.91% |
| THE INSURANCE CENTER Filed as: THE INSURANCE CENTER INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $33 | — | $33 | 14.60% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | — | $19 | 10.22% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $65 | — | $65 | 56.03% |
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 | 272 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 2 carriers) | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 260 | $1.5M |
| Dental | DELTA DENTAL OF WISCONSIN | 166 | $129K |
| Vision | NGL | 160 | $10K |
| Life insurance(2 contracts) | KANSAS CITY LIFE INSURANCE COMPANY | 272 | $110K |
| Short-term disability(2 contracts) | KANSAS CITY LIFE INSURANCE COMPANY | 272 | $110K |
| Long-term disability(2 contracts) | KANSAS CITY LIFE INSURANCE COMPANY | 272 | $110K |
| Prescription drug | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 260 | $1.5M |
| Other(2 contracts) | KANSAS CITY LIFE INSURANCE COMPANY | 272 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.