Form 5500 · Employee benefit plan · ONALASKA, WI
A.L.M. HOLDING COMPANY
The filing calls this plan CONSOLIDATED WELFARE BENEFIT PLAN.
A.L.M. HOLDING COMPANY of ONALASKA, WI spreads its employee benefits across 5 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is WILLIS TOWERS WATSON MIDWEST, INC. Coverage is written through UNUM LIFE INSURANCE COMPANY OF AMERICA and 4 other carriers. The plan's most recent policy period ended in November.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 20-0520252 · plan 502 · plan year 2024, filed Oct 2, 2025
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30 other employer plans in Wisconsin have policy years ending in November. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Also declared: death benefits, other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 6 insured contracts covering health, dental, vision, life and disability; the largest, with UNUM LIFE INSURANCE COMPANY OF AMERICA, covers 1,562 people.
Reported premium across the insured contracts is $1,731,058, with $146,608 in disclosed broker commissions — about 8.5% of premium.
The health contract's policy period ended in November, while at least one ancillary line's policy period ended in December. The plan is on a split renewal cycle.
WILLIS TOWERS WATSON MIDWEST, INC is the broker of record on 4 of the 6 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including UNUM LIFE INSURANCE COMPANY OF AMERICA, PACIFICSOURCE HEALTH PLANS, RELIASTAR LIFE INSURANCE COMPANY and NGL. UNUM LIFE INSURANCE COMPANY OF AMERICA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 1,562 | Jan 1, 2025 | $712,078 | $47,317 |
| RELIASTAR LIFE INSURANCE COMPANY | — | 1,050 | Jan 1, 2025 | $205,398 | $46,480 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life | 664 | Jan 1, 2025 | $261,618 | $26,162 |
| PACIFICSOURCE HEALTH PLANS | Health, Vision | 81 | Dec 1, 2024 | $436,509 | $16,201 |
| NGL | Vision | 1,629 | Jan 1, 2025 | $78,939 | $7,894 |
| OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON | Dental | 130 | Jan 1, 2025 | $36,516 | $2,554 |
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
How this plan compares
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Renewal calendar
30 other employer plans in Wisconsin are December 1 renewals (policy year ends November).
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