| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $41K | $41K | 1.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $20K | $20K | 0.50% |
| T I C INC3 Filed as: T.I.C., INC. | 701 SAND LAKE ROAD ONLASKA, WI 54650 | STANDARD INSURANCE COMPANY | $37K | $3K | $40K | 12.03% |
| T I C INC3 Filed as: T.I.C., INC. | 701 SAND LAKE ROAD ONLASKA, WI 54650 | DELTA DENTAL OF WISCONSIN | $21K | $0 | $21K | 11.06% |
| T I C INC3 Filed as: T.I.C., INC. | 701 SAND LAKE ROAD ONLASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | $0 | $13K | 13.38% |
| T I C INC3 Filed as: T.I.C., INC. | 701 SAND LAKE ROAD ONLASKA, WI 54650 | NATIONAL VISION ADMINISTRATORS, LLC | $3K | $0 | $3K | 10.00% |
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 | 296 | 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) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 548 | $4.1M |
| Dental | DELTA DENTAL OF WISCONSIN | 190 | $191K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 360 | $33K |
| Life insurance | STANDARD INSURANCE COMPANY | 296 | $330K |
| Short-term disability | STANDARD INSURANCE COMPANY | 296 | $330K |
| Long-term disability | STANDARD INSURANCE COMPANY | 296 | $330K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 548 | $4.1M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 296 | $425K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 548 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.