| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JRG ADVISORS LLC3 Filed as: JRG ADVISORS, LLC | 7000 STONEWOOD DRIVE WEXFORD, PA 15090 | HIGHMARK INC | $48K | — | $48K | 2.73% |
| TIC INC3 Filed as: TIC INC AKA (THE) INSURANCE CENTER | 701 SAND LAKE RD ONALASKA, WI 54650 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $47K | $47K | 2.77% |
| THE INSURANCE CENTER3 | 701 SAND LAKE ROAD ONALASKA, WI 546502442 | UNITY HEALTH PLANS INSURANCE CORPORATION | $17K | — | $17K | 2.09% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 546502442 | PRINCIPAL LIFE INSURANCE COMPANY | $34K | $8K | $42K | 10.11% |
| TIC INC3 | 701 SAND LAKE ROAD ONALASKA, WI 54650 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
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 | 1,071 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,085 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK INC | 534 | $3.4M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,409 | $418K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,409 | $418K |
| Prescription drug(2 contracts, 2 carriers) | HIGHMARK INC | 324 | $2.6M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 150 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,409 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.