Opportunity of North Central Wisconsin, Inc.
Updated Filing received by DOL
Opportunity of North Central Wisconsin, Inc., a healthcare & social assistance employer in Wausau, Wisconsin, reported 135 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $537,314 in insurance premiums across 12 contracts and $28,387 in broker commissions and fees, 3.8% of medical premium against a national median of 3.8% among plans that paid commissions in plan year 2024. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on July 20, 2026, before the deadline.
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 |
|---|---|---|---|---|
| Security Health Plan of Wisconsin, Inc.health, prescription drug, HMO | 34 | $308,184 | $11,088 | 3.6% |
| Security Health Plan of Wisconsin, Inc.health, prescription drug, HMO | 34 | $192,874 | $7,504 | 3.9% |
| Delta Dental of Wisconsindental | 60 | $36,247 | $2,781 | 7.7% |
| Security Health Plan of Wisconsin, Inc.health, prescription drug, HMO | — | $9 | $644 | — |
| The Lincoln National Life Insurance Companyshort-term disability | 25 | — | $1,133 | — |
| The Lincoln National Life Insurance Companylong-term disability | 20 | — | $1,018 | — |
| The Lincoln National Life Insurance Companylife | 110 | — | $692 | — |
| The Lincoln National Life Insurance Companylife | 27 | — | $755 | — |
| Ascension Wi Eapcoverage not coded | 130 | — | — | — |
| Wyssta Insurance Company Incvision | 52 | — | $490 | — |
| The Lincoln National Life Insurance Companycoverage not coded | 25 | — | $1,067 | — |
| The Lincoln National Life Insurance Companycoverage not coded | 12 | — | $1,215 | — |
Source: DOL Form 5500 Schedule A, plan year 2025. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Opportunity of North Central Wisconsin, Inc. 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.
Premium per covered person on medical contracts: $7,369 a year (national median $7,274).
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 125 | 135 | +8.0% |
| Premiums filed | $546,778 | $537,314 | −1.7% |
| Broker commissions + fees | $26,707 | $28,387 | +6.3% |
| Commission rate | 3.2% | 3.8% | +0.6 pts |
Source: DOL Form 5500 filings for plan years 2024 and 2025.
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 |
|---|---|---|---|---|
| Opportunity of North Central Wisconsin, Inc. Employee Benefit Plan#504 · insurance, general assets | December 31, 2025 | July 20, 2026 | before deadline | 135 |
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 Opportunity of North Central Wisconsin, Inc. pay in health insurance broker commissions in 2025?
Opportunity of North Central Wisconsin, Inc.'s 2025 Form 5500 reports $28,387 in broker commissions and fees across 12 insurance contracts ($27,553 in commissions, $834 in fees).
Is Opportunity of North Central Wisconsin, Inc.'s health plan self-funded or fully insured?
The 2025 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Security Health Plan of Wisconsin, Inc..
How does Opportunity of North Central Wisconsin, Inc.'s broker compensation compare with similar employers?
Opportunity of North Central Wisconsin, Inc. paid 3.8% of medical premium in commissions and fees. The median for employers with 100-199 participants is 4.2%, and the median in Wisconsin is 2.1%. Percentages are computed only on fully insured medical contracts with filed premiums.
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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.