Wisconsin Bankers Association Insurance Trust Fund
Updated Filing received by DOL
Wisconsin Bankers Association Insurance Trust Fund in Madison, Wisconsin, reported 3,300 participants in its health and welfare plans for plan year 2025. Its Form 5500 shows $4.6M in insurance premiums across 16 contracts and $878,136 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on July 30, 2026, before the deadline.
Who was paid on Wisconsin Bankers Association Insurance Trust Fund's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Wisconsin Bankers Association Insurance Trust Fund filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Wisconsin Bankers Association - Ebc · Madison, WI | $598,924 | $0 | $598,924 | 2 |
| Wba Employee Benefits Corp · Madison, WI | $176,720 | $0 | $176,720 | 11 |
| Wi Bankers Assoc Employee BNFT · Madison, WI | $102,492 | $0 | $102,492 | 3 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2025, as published in EBSA's 2025 "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 |
|---|---|---|---|---|
| Wisconsin Physicians Service Insurance Corporationhealth | 213 | $1.7M | $33,499 | 2.0% |
| Delta Dental of Wisconsindental | 1,116 | $1.3M | $62,705 | 4.7% |
| Delta Dental of Wisconsindental | 474 | $533,610 | $25,379 | 4.8% |
| Delta Dental of Wisconsindental | 326 | $345,371 | $17,669 | 5.1% |
| Delta Dental of Wisconsindental | 274 | $326,987 | $15,541 | 4.8% |
| Delta Dental of Wisconsindental | 198 | $210,772 | $10,040 | 4.8% |
| Delta Dental of Wisconsindental | 76 | $92,263 | $4,006 | 4.3% |
| Delta Dental of Wisconsindental | 87 | $84,791 | $4,033 | 4.8% |
| Delta Dental of Wisconsindental | 15 | $12,868 | $616 | 4.8% |
| Delta Dental of Wisconsindental | 9 | $10,978 | $537 | 4.9% |
| NGLvision | 732 | — | $2,695 | — |
| The Lincoln National Life Insurance Companylong-term disability | 2,197 | — | $36,465 | — |
| The Lincoln National Life Insurance Companylife | 2,470 | — | $54,092 | — |
| The Lincoln National Life Insurance Companycoverage not coded | 666 | — | $11,935 | — |
| Unitedhealthcare Insurance Companyhealth | 3,025 | — | $299,462 | — |
| Unitedhealthcare Insurance Companyhealth | 1,138 | — | $299,462 | — |
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 Wisconsin Bankers Association Insurance Trust Fund 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.
Premium per covered person on medical contracts: $7,778 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 | 3,283 | 3,300 | +0.5% |
| Premiums filed | $6,566,236 | $4,594,430 | not comparable |
| Broker commissions + fees | $881,447 | $878,136 | −0.4% |
| Commission rate | — | — | — |
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 |
|---|---|---|---|---|
| Wisconsin Bankers Association Insurance Trust Fund#501 · insurance, trust | December 31, 2025 | July 30, 2026 | before deadline | 3,300 |
| Wisconsin Bankers Association Insurance Trust - Association Health Plan#502 · insurance, trust | December 31, 2025 | July 30, 2026 | before deadline | 970 |
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 Wisconsin Bankers Association Insurance Trust Fund pay in health insurance broker commissions in 2025?
Wisconsin Bankers Association Insurance Trust Fund's 2025 Form 5500 reports $878,136 in broker commissions and fees across 16 insurance contracts ($878,136 in commissions, $0 in fees), with Wisconsin Bankers Association - Ebc receiving the largest share.
Is Wisconsin Bankers Association Insurance Trust Fund'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 Wisconsin Physicians Service Insurance Corporation, Unitedhealthcare Insurance Company.
How does Wisconsin Bankers Association Insurance Trust Fund's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Wisconsin Bankers Association Insurance Trust Fund because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 1,000-4,999 participants that disclosed broker pay reported a median of $168,579.
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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.