| 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 | HEALTH TRADITION | $18K | — | $18K | 1.95% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER, INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | DELTA DENTAL OF WISCONSIN | $6K | — | $6K | 5.37% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER, INC | 701 SAND LAKE RD ONALASKA, WI 54650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 17.21% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER, INC | 701 SAND LAKE RD ONALASKA, WI 54650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 13.13% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER, INC | 701 SAND LAKE RD ONALASKA, WI 54650 | HEALTH TRADITION | $324 | — | $324 | 1.41% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER, INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 18.99% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER, INC | 701 SAND LAKE RD ONALASKA, WI 54650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $763 | $2K | 15.64% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER, INC | 701 SAND LAKE RD ONALASKA, WI 54650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $490 | $243 | $733 | 14.96% |
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 | 258 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HEALTH TRADITION | 288 | $966K |
| Dental | DELTA DENTAL OF WISCONSIN | 168 | $107K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 258 | $54K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 147 | $51K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 139 | $20K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 258 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.