| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | UNITED HEALTHCARE INSURANCE COMPANY | — | $36K | $36K | 0.82% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | UNITED HEALTHCARE INSURANCE COMPANY | — | $16K | $16K | 0.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2120 PEWAUKEE RD STE 202 WAUKESHA, WI 531882491 | UNITED HEALTHCARE INSURANCE COMPANY | — | $12K | $12K | 0.28% |
| T I C INC3 Filed as: T.I.C., INC. | 701 SAND LAKE ROAD ONLASKA, WI 546502422 | DELTA DENTAL OF WISCONSIN | $19K | — | $19K | 10.30% |
| T I C INC3 Filed as: T.I.C., INC. | 701 SAND LAKE ROAD ONLASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 12.03% |
| T I C INC3 Filed as: T.I.C., INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | STANDARD INSURANCE COMPANY | $593 | $1K | $2K | 2.90% |
| T I C INC3 Filed as: T.I.C., INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | STANDARD INSURANCE COMPANY | $8K | $989 | $8K | 16.98% |
| T I C INC3 Filed as: T.I.C., INC. | 701 SAND LAKE ROAD ONLASKA, WI 54650 | STANDARD INSURANCE COMPANY | $6K | $756 | $7K | 16.11% |
| T.I.C. INC AKA THE INSURANCE CENTER3 Filed as: T.I.C., INC. DBA THE INS CENTER | 701 SAND LAKE ROAD ONALASKA, WI 54650 | NATIONAL VISION ADMINISTRATORS, LLC | $3K | — | $3K | 10.00% |
| T I C INC3 Filed as: T.I.C. INC | 701 SAND LAKE ROAD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $520 | — | $520 | 10.10% |
| T.I.C. INC AKA THE INSURANCE CENTER3 Filed as: T.I.C., INC. DBA THE INS CENTER | 701 SAND LAKE ROAD ONALASKA, WI 54650 | NATIONAL VISION ADMINISTRATORS, LLC | $206 | — | $206 | 10.01% |
| T I C INC3 Filed as: T.I.C. INC | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $273 | — | $273 | 15.46% |
| T.I.C. INC AKA THE INSURANCE CENTER3 Filed as: T.I.C., INC. DBA THE INS CENTER | 701 SAND LAKE ROAD ONALASKA, WI 54650 | NATIONAL VISION ADMINISTRATORS, LLC | $176 | — | $176 | 10.02% |
| T.I.C. INC AKA THE INSURANCE CENTER3 Filed as: T.I.C., INC. DBA THE INS CENTER | 701 SAND LAKE ROAD ONALASKA, WI 54650 | NATIONAL VISION ADMINISTRATORS, LLC | $99 | — | $99 | 9.97% |
| T I C INC3 Filed as: T.I.C. INC | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $59 | — | $59 | 10.14% |
| T.I.C. INC AKA THE INSURANCE CENTER3 Filed as: T.I.C., INC. DBA THE INS CENTER | 701 SAND LAKE ROAD ONALASKA, WI 54650 | NATIONAL VISION ADMINISTRATORS, LLC | $48 | — | $48 | 10.06% |
| T I C INC3 Filed as: T.I.C. INC | 701 SAND LAKE ROAD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 9.47% |
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 | 229 | 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) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 229 | $4.4M |
| Dental | DELTA DENTAL OF WISCONSIN | 202 | $189K |
| Vision(5 contracts) | NATIONAL VISION ADMINISTRATORS, LLC | 289 | $34K |
| Life insurance | STANDARD INSURANCE COMPANY | 323 | $41K |
| Short-term disability | STANDARD INSURANCE COMPANY | 222 | $50K |
| Long-term disability | STANDARD INSURANCE COMPANY | 323 | $55K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 229 | $4.4M |
| Other(5 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 134 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.