| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 205 4TH STREET NORTH LACROSSE, WI 54601 | HEALTH TRADITION HEALTH PLAN | $20K | — | $20K | 0.65% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 205 4TH STREET NORTH LACROSSE, WI 54601 | HEALTH TRADITION | $185K | — | $185K | 6.58% |
| T I C INC3 Filed as: T.I.C., INC. | 701 SAND LAKE RD ONALASKA, WI 546502442 | DELTA DENTAL OF WISCONSIN | $21K | — | $21K | 11.28% |
| T I C INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | PRINCIPAL LIFE INSURANCE COMPANY | $18K | $2K | $19K | 10.68% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 204 4TH STREET NORTH LACROSSE, WI 54601 | HEALTH TRADITION | $1K | — | $1K | 0.65% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16K | — | $16K | 17.64% |
| 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. | $2K | — | $2K | 10.00% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | ALLSTATE | $941 | — | $941 | 20.75% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | ALLSTATE | $469 | — | $469 | 37.76% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | ALLSTATE | $64 | — | $64 | 9.86% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $59 | — | $59 | 10.14% |
| 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 | $16K |
| RICK TISCHER BROKER | Insurance agents and brokers Service code 22 | 1973 ESHER DRIVE ONALASKA, WI 54650 | $522 |
| BENEFIT NETWORK ADVISORS (BAN) BROKER | Insurance agents and brokers Service code 22 | 6830 COCHRAN RD SOLON, OH 44139 | $443 |
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 | 322 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HEALTH TRADITION HEALTH PLAN | 564 | $6.0M |
| Dental | DELTA DENTAL OF WISCONSIN | 194 | $184K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 334 | $24K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 445 | $182K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 445 | $182K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 445 | $182K |
| Other(5 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 142 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 564 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.