| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRICOR, INC3 Filed as: TRICOR INSURANCE & FINANCE | 230 W CHERRY ST LANCASTER, WI 53813 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $688 | $4K | 8.86% |
| TRICOR, INC3 Filed as: TRICOR INC | 500 IOWA STREET DUBUQUE, IA 52004 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 15.00% |
| TRICOR, INC3 Filed as: TRICOR, INC. | 230 W. CHERRY ST. LANCASTER, WI 53813 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $649 | — | $649 | 5.06% |
| GARSON FINANCIAL SERVICES S C3 Filed as: GARSON FINANCIAL SERVICES SC | 904 E PEARSON STREET MILWAUKEE, WI 53202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $227 | $31 | $258 | 2.01% |
| STERLING WEALTH MANAGEMENT LLC3 | C/O CHARLES JAEGER 245 REGENCY CT. BROOKFIELD, WI 53045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $172 | $57 | $229 | 1.78% |
| GRANT W GARSON3 | 904 E PEARSON STREET MILWAUKEE, WI 53202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $161 | $53 | $214 | 1.67% |
| PATRICK THOMAS FLANAGAN3 | 3048 S. WENTWORTH AVE. MILWAUKEE, WI 53207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $184 | — | $184 | 1.43% |
| DELORES A MENDELS3 Filed as: DELORES A. MENDELS | W6325 GOOSE CREEK CIRCLE GREENVILLE, WI 54942 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $166 | $2 | $168 | 1.31% |
| ANTHONY ROACH3 | 631 PEARL ST. SPARTA, WI 54656 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | — | $90 | 0.70% |
| BRAD M PINCHART3 Filed as: BRAD M. PINCHART | 6696 PRAIRIE CREEK RD. WINDSOR, WI 53598 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.07% |
| TRICOR, INC3 Filed as: TRICOR INSURANCE & FINANCE | 230 W CHERRY ST LANCASTER, WI 53813 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $439 | $56 | $495 | 13.53% |
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 | 346 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 346 | $44K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 112 | $33K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 346 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 346 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.