| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRICOR, INC3 Filed as: TRICOR, INC. | 230 W CHERRY STREET LANCASTER, WI 53813 | HARTFORD LIFE AND ACCIDENT | $25K | — | $25K | 18.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WISCONSIN PHYSICIANS SERVICE EIN 39-1502106 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $330K |
| BENEFIT PLAN ADMINISTRATION EIN 39-1400101 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $118K |
| NORTHERN CAPITAL MANAGEMENT, LLC EIN 39-1541077 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $91K |
| THE PREVIANT LAW FIRM, S.C. EIN 39-1211596 NONE | Legal; Direct payment from the plan Service code 29 | — | $32K |
| LEE JOST & ASSOCIATES EIN 39-1400101 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $25K |
| FREYBERG HINKLE ASHLAND POWERS & ST EIN 39-1531945 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $17K |
| BMO FINANCIAL GROUP EIN 36-2085229 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $14K |
| UNITED ACTUARIAL SERVICES EIN 35-2156428 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $8K |
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 | 861 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 861 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 861 | $135K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 861 | $135K |
| Stop-loss / reinsurancereinsurance | WISCONSIN PHYSICIANS SERVICE | 861 | $766K |
| Other | HARTFORD LIFE AND ACCIDENT | 861 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 861 | — |
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.