| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE INSURANCE CENTER3 | 701 SAND LAKE ROAD ONALASKA, WI 54650 | GUNDERSEN HEALTH PLAN, INC. | $21K | — | $21K | 1.76% |
| TIC INC3 | 701 SAND LAKE ROAD ONALASKA, WI 54650 | SELECTHEALTH | $6K | — | $6K | 4.98% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT ADVISORS | 1825 SUNSET LANE LACROSSE, WI 54601 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 4.00% |
| ANTHONY ROACH3 | 510 ALDERSON STREET SCHOLFIELD, WI 54476 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 4.00% |
| ADVANTAGE GROUP GA LLC3 Filed as: ADVANTAGE GROUP GA, LLC | 510 ALDERSON STREET SCHOFIELD, WI 54476 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 1.50% |
| ADVANTAGE GROUP GA LLC3 Filed as: ADVANTAGE GROUP MGA LLC | 510 ALDERSON STREET SCHOFIELD, WI 54478 | UNION SECURITY INSURANCE COMPANY | $419 | — | $419 | 0.50% |
| TIC INC3 Filed as: TIC, INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $47K | — | $47K | 57.33% |
| BENEFIT ADVISORS INSURANCE AGENCY3 | 1825 SUNSET LANE LACROSSE, WI 54601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.17% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT ADVISORS | 1825 SUNSET LANE LACROSSE, WI 54601 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 4.00% |
| ANTHONY ROACH3 | 815 OFFICE PARK ROAD SUITE 7 WEST DES MOINES, IA 50265 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 3.98% |
| ADVANTAGE GROUP GA LLC3 Filed as: ADVANTAGE GROUP GA, LLC | 510 ALDERSON STREET SCHOFIELD, WI 54476 | UNION SECURITY INSURANCE COMPANY | $838 | — | $838 | 1.50% |
| ADVANTAGE GROUP GA LLC3 Filed as: ADVANTAGE GROUP GA, LLC | 510 ALDERSON STREET SCHOFIELD, WI 54476 | UNION SECURITY INSURANCE COMPANY | $279 | — | $279 | 0.50% |
| T I C INC3 Filed as: T.I.C., INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | SELECTHEALTH | $1K | — | $1K | 4.94% |
| TIC INC3 Filed as: TIC, INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 6.63% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT ADVISORS, LLC | 1825 SUNSET LANCE LACROSSE, WI 54601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.27% |
| TIC INC3 Filed as: TIC, INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 11.30% |
| TIC INC3 Filed as: TIC, INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | STANDARD INSURANCE COMPANY | $638 | — | $638 | 8.79% |
| ANTHONY K ROACH3 | 815 OFFICE PARK ROAD SUITE 7 WEST DES MOINES, IA 50265 | TRANSAMERICA | $2K | — | $2K | 23.54% |
| ADVANTAGE GROUP GA LLC3 Filed as: ADVANTAGE GROUP GA, LLC | 510 ANDERSON STREET SCHOFIELD, WI 54476 | TRANSAMERICA | $1K | — | $1K | 20.84% |
| BENEFIT ADVISORS INSURANCE AGENCY3 | 1825 SUNSET LANE LACROSSE, WI 54601 | TRANSAMERICA | $1K | — | $1K | 19.67% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT ADVISORS, LLC | 1825 SUNSEDT LANE LACROSSE, WI 54601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $574 | — | $574 | 9.97% |
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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | GUNDERSEN HEALTH PLAN, INC. | 126 | $1.3M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 151 | $69K |
| Life insurance(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 210 | $40K |
| Short-term disability(3 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 119 | $163K |
| Long-term disability(3 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 98 | $157K |
| Other(5 contracts, 4 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 210 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.