| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE INSURANCE CENTER3 | 701 SAND LAKE RD ONALASKA, WI 54650 | GUNDERSEN HEALTH PLAN, INC. | $47K | — | $47K | 1.23% |
| JRG ADVISORS LLC3 Filed as: JRG ADVISORS, LLC | 7000 STONEWOOD DR STE 251 WEXFORD, PA 15090 | HIGHMARK HEALTH INSURANCE COMPANY | $47K | — | $47K | 2.40% |
| JEFFREY LECLAIRE3 | 701 SAND LAKE RD ONALASKA, WI 54650 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $56K | — | $56K | 2.94% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | PRINCIPAL LIFE INSURANCE COMPANY | $33K | $7K | $41K | 10.29% |
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 | 975 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 998 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK HEALTH INSURANCE COMPANY | 517 | $3.9M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,358 | $395K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,358 | $395K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,358 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.