| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | WILLIAM HEINZ 605 STATE ST LACROSSE, WI 54601 | HEALTH TRADITION | $19K | — | $19K | 0.82% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | WILLIAM HEINZ 605 STATE ST LACROSSE, WI 54601 | HEALTH TRADITION | $876 | — | $876 | 0.43% |
| T I C INC3 Filed as: T.I.C., INC. | 701 SAND LAKE RD ONALASKA, WI 546502442 | DELTA DENTAL OF WISCONSIN | $20K | — | $20K | 11.27% |
| T I C INC3 | PENNY 701 SAND LAKE ROAD ONALASKA, WI 54650 | PRINCIPAL LIFE INSURANCE COMPANY | $17K | $1K | $18K | 10.91% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | ALLSTATE | $42K | — | $42K | 55.50% |
| T.I.C. INC AKA THE INSURANCE CENTER3 Filed as: T.I.C., INC. DBA THE INSURANCE CENT | 701 SAND LAKE ROAD ONALASKA, WI 54650 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $3K | — | $3K | 10.00% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | ALLSTATE | $2K | — | $2K | 60.11% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | ALLSTATE | $1K | — | $1K | 53.51% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | ALLSTATE | $1K | — | $1K | 57.23% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | ALLSTATE | $300 | — | $300 | 60.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFITS CORPORATION EIN 39-2044064 THIRD PARTY ADMINISTRATO | Claims processing; Contract Administrator Service code 12 | 1350 DEMING WAY MIDDLETON, WI 53562 | $7K |
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 | 226 | 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) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HEALTH TRADITION | 600 | $2.5M |
| Dental | DELTA DENTAL OF WISCONSIN | 208 | $178K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 378 | $30K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 468 | $169K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 468 | $169K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 468 | $169K |
| Other(5 contracts) | ALLSTATE | 146 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 600 | — |
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."
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.