| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL INSURANCE SERV OF WISC INC3 | 250 SOUTH EXECUTIVE DRIVE SUITE 300 BROOKFIELD, WI 530054273 | MADISON NATIONAL LIFE INSURANCE COMPANY, INC. | $14K | — | $14K | 12.00% |
| TRICOR, INC3 Filed as: TRICOR INSURANCE | PO BOX 450 230 W CHERRY ST LANCASTER, WI 53813 | MADISON NATIONAL LIFE INSURANCE COMPANY, INC. | $6K | — | $6K | 5.00% |
| TRICOR, INC3 Filed as: TRICOR, INC - BRENT STRAKA | PO BOX 450 230 W CHERRY ST LANCASTER, WI 53813 | DELTA DENTAL OF MINNESOTA | $2K | — | $2K | 2.98% |
| OCHS INC3 | 18-3789 400 ROBERT STREET NORTH ST. PAUL, MN 551012098 | MINNESOTA LIFE INSURANCE COMPANY | — | $4K | $4K | 12.61% |
| NATIONAL BENEFITS3 Filed as: NATIONAL INSURANCE | SERVICEES OF WISCONSIN INC 250 SOUTH EXECUTIVE DRIVE BROOKFIELD, WI 530054273 | MINNESOTA LIFE INSURANCE COMPANY | $4K | — | $4K | 12.60% |
| TRICOR, INC3 Filed as: TRICOR LLC | 230 W CHERRY ST LANCASTER, WI 538131629 | AMERITAS LIFE INSURANCE CORP. | $885 | $35 | $920 | 9.76% |
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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MINNESOTA | 211 | $57K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 140 | $9K |
| Life insurance | MINNESOTA LIFE INSURANCE COMPANY | 231 | $34K |
| Long-term disability | MADISON NATIONAL LIFE INSURANCE COMPANY, INC. | 180 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.