| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIC INC3 Filed as: TIC INC (TOFTE, TIM) | 5900 MONONA DRIVE #205 MONONA, WI 53716 | GROUP HEALTH COOPERATIVE OF SOUTH CENTRAL WISCONSIN | $35K | $0 | $35K | 4.80% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 546502442 | DELTA DENTAL OF WISCONSIN | $5K | $0 | $5K | 6.89% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. D/B/A THE IN | 701 SAND LAKE ROAD ONALASKA, WI 54650 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $523 | $4K | 15.29% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 22.88% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 546502442 | WYSSTA INSURANCE COMPANY INC | $511 | $0 | $511 | 8.03% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. D/B/A THE IN | 701 SAND LAKE ROAD ONALASKA, WI 54650 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $791 | $79 | $870 | 19.85% |
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 | 83 | 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) | 83 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GROUP HEALTH COOPERATIVE OF SOUTH CENTRAL WISCONSIN | 138 | $732K |
| Dental | DELTA DENTAL OF WISCONSIN | 76 | $73K |
| Vision | WYSSTA INSURANCE COMPANY INC | 56 | $6K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 151 | $42K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 151 | $38K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 151 | $38K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 21 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.