Opportunities, Inc. of Jefferson County
Updated Filing received by DOL
Opportunities, Inc. of Jefferson County, a healthcare & social assistance employer in Fort Atkinson, Wisconsin, reported 171 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $97,123 in insurance premiums across 10 contracts and $54,614 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on January 23, 2026, before the deadline.
Who was paid on Opportunities, Inc. of Jefferson County's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Opportunities, Inc. of Jefferson County filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Richard F Sauter · Jefferson, WI | $1,090 | $110 | $1,200 | 1 |
| Casey J Higgins · Colorado Springs, CO | $232 | $0 | $232 | 1 |
| Nicholas Laack-Miller · Stoughton, WI | $190 | $26 | $216 | 1 |
| Michael Frasier · Madison, WI | $137 | $26 | $163 | 1 |
| Emily N Wayne · Chicago, IL | $150 | $0 | $150 | 1 |
| Brian Bark · Poynette, WI | $81 | $0 | $81 | 1 |
| Dawn Sauter · Palmyra, WI | $76 | $0 | $76 | 1 |
| Willis Towers Watson · Brookfield, WI | $58 | $0 | $58 | 1 |
| Jason Sczepaniak · Sun Prairie, WI | $33 | $0 | $33 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2024, as published in EBSA's 2024 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Delta Dental of Wisconsindental | 105 | $97,123 | $5,915 | 6.1% |
| Quartz Health Benefit Plans Corporationhealth, prescription drug, HMO, PPO | 141 | — | $43,387 | — |
| Wyssta Insurance Company Incvision | 88 | — | $565 | — |
| Hartford Life and Accidentlife, long-term disability | 171 | — | $118 | — |
| Aflaclife, short-term disability | 21 | — | $2,209 | — |
| Reliance Standard Life Insurance Companyhealth | 13 | — | $1,661 | — |
| Reliance Standard Life Insurance Companyhealth | 13 | — | — | — |
| Reliance Standard Life Insurance Companydental | 12 | — | $488 | — |
| Reliance Standard Life Insurance Companylife | 8 | — | $48 | — |
| Reliance Standard Life Insurance Companyshort-term disability | 8 | — | $223 | — |
Source: DOL Form 5500 Schedule A, plan year 2024. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Opportunities, Inc. of Jefferson County compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Not computable: no insured medical premium on the filing.
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 180 | 171 | −5.0% |
| Premiums filed | $86,501 | $97,123 | not comparable |
| Broker commissions + fees | $51,804 | $54,614 | +5.4% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2023 and 2024.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Opportunities, Inc. of Jefferson County#510 · insurance, general assets | July 31, 2025 | January 23, 2026 | before deadline | 171 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Opportunities, Inc. of Jefferson County pay in health insurance broker commissions in 2024?
Opportunities, Inc. of Jefferson County's 2024 Form 5500 reports $54,614 in broker commissions and fees across 10 insurance contracts ($54,334 in commissions, $280 in fees), with Richard F Sauter receiving the largest share.
Is Opportunities, Inc. of Jefferson County's health plan self-funded or fully insured?
The 2024 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Quartz Health Benefit Plans Corporation, Reliance Standard Life Insurance Company.
How does Opportunities, Inc. of Jefferson County's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Opportunities, Inc. of Jefferson County because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 100-199 participants that disclosed broker pay reported a median of $53,852.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.