| 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 | $29K | — | $29K | 2.02% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | DELTA DENTAL OF WISCONSIN | $11K | — | $11K | 9.55% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | KANSAS CITY LIFE INSURANCE COMPANY | $15K | — | $15K | 13.51% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 16.10% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 16.08% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 18.80% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | NGL | $971 | — | $971 | 10.01% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | KANSAS CITY LIFE INSURANCE COMPANY | $525 | — | $525 | 12.82% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $225 | — | $225 | 21.80% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | NGL | $41 | — | $41 | 9.88% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $56 | — | $56 | 16.05% |
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 | 262 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 2 carriers) | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 264 | $1.5M |
| Dental | DELTA DENTAL OF WISCONSIN | 159 | $118K |
| Vision(2 contracts) | NGL | 172 | $10K |
| Life insurance(2 contracts) | KANSAS CITY LIFE INSURANCE COMPANY | 262 | $112K |
| Short-term disability(2 contracts) | KANSAS CITY LIFE INSURANCE COMPANY | 262 | $112K |
| Long-term disability(2 contracts) | KANSAS CITY LIFE INSURANCE COMPANY | 262 | $112K |
| Prescription drug | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 264 | $1.4M |
| Other(2 contracts) | KANSAS CITY LIFE INSURANCE COMPANY | 262 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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.