| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE INSURANCE CENTER3 | 701 SAND LAKE ROAD ONALASKA, WI 54650 | UNITY HEALTH INSURANCE | $23K | — | $23K | 1.80% |
| TIC INC3 | 701 SAND LAKE ROAD ONALASKA, WI 54650 | SELECTHEALTH | $6K | — | $6K | 4.62% |
| TIC INC3 | 701 SAND LAKE ROAD ONALASKA, WI 54650 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 4.02% |
| TIC INC3 | 701 SAND LAKE ROAD ONALASKA, WI 54650 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 7.40% |
| TIC INC3 | 701 SAND LAKE ROAD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16K | — | $16K | 30.99% |
| TIC INC3 | 701 SAND LAKE ROAD ONALASKA, WI 54650 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 11.37% |
| TIC INC3 | 701 SAND LAKE ROAD ONALASKA, WI 54650 | SELECTHEALTH | $2K | — | $2K | 4.22% |
| TIC INC3 Filed as: TIC, INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 10.60% |
| ANTHONY K ROACH3 | 815 OFFICE PARK ROAD SUITE 7 WEST DES MOINES, IA 50265 | TRANSAMERICA | $679 | — | $679 | 8.08% |
| ADVANTAGE GROUP GA LLC3 | 510 ANDERSON STREET SCHOFIELD, WI 54476 | TRANSAMERICA | $573 | — | $573 | 6.82% |
| BENEFIT ADVISORS INSURANCE AGENCY3 | 1825 SUNSET LANE LACROSSE, WI 54601 | TRANSAMERICA | $297 | — | $297 | 3.53% |
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 | 129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITY HEALTH INSURANCE | 129 | $1.5M |
| Dental | STANDARD INSURANCE COMPANY | 147 | $69K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 196 | $30K |
| Short-term disability | STANDARD INSURANCE COMPANY | 116 | $67K |
| Long-term disability | STANDARD INSURANCE COMPANY | 81 | $48K |
| Other(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 196 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.