| 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 | $24K | — | $24K | 1.89% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER, INC. | 701 SAND LAKE RD ONALASKA, WI 54650 | DELTA DENTAL OF WISCONSIN | $5K | — | $5K | 5.62% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER, INC | 701 SAND LAKE RD ONALASKA, WI 54650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $7K | 10.13% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.41% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER, INC | 701 SAND LAKE RD ONALASKA, WI 54650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $11K | 16.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.40% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER, INC | 701 SAND LAKE RD ONALASKA, WI 54650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $993 | $4K | 17.24% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $662 | $662 | 2.75% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER, INC | 701 SAND LAKE RD ONALASKA, WI 54650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $593 | $2K | 14.43% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $395 | $395 | 2.95% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER, INC | 701 SAND LAKE RD ONALASKA, WI 546502442 | WYSSTA INSURANCE COMPANY, INC. | $725 | — | $725 | 7.99% |
| THE INSURANCE CENTER3 Filed as: THE INSURANCE CENTER, INC | 701 SAND LAKE RD ONALASKA, WI 54650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $448 | $212 | $660 | 14.72% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $142 | $142 | 3.17% |
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 | 205 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 174 | $1.3M |
| Dental | DELTA DENTAL OF WISCONSIN | 138 | $90K |
| Vision | WYSSTA INSURANCE COMPANY, INC. | 102 | $9K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 205 | $72K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 125 | $82K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $24K |
| Prescription drug | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 174 | $1.3M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 205 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.