Form 5500 · Employee benefit plan · WAUKESHA, WI
PROHEALTH CARE
The filing calls this plan CAFETERIA PLAN FOR EMPLOYEES OF PROHEALTH CARE.
PROHEALTH CARE of WAUKESHA, WI spreads its employee benefits across 5 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is LOCKTON COMPANIES, LLC. Coverage is written through THE LINCOLN NATIONAL LIFE INSURANCE COMPANY and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 39-1486873 · plan 512 · plan year 2025, filed Jul 30, 2026
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1,633 other employer plans in Wisconsin have policy years ending in December. 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
One contract on this filing does not say which benefits it covers, so a line above may be insured by it.
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 7 insured contracts covering health, vision, life and disability; the largest, with THE LINCOLN NATIONAL LIFE INSURANCE COMPANY, covers 3,477 people.
The filing declares health, vision, life, disability and dental. Dental appears with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on the contract here that does not say what it covers.
Reported premium across the insured contracts is $3,383,884, with $262,244 in disclosed broker commissions — about 7.7% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
LOCKTON COMPANIES, LLC is the broker of record on 3 of the 7 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 3,477 | Jan 1, 2026 | $1,408,325 | $98,583 |
| SUN LIFE ASSURANCE COMPANY OF CANADA | Health | 734 | Jan 1, 2026 | $432,485 | $85,383 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 3,495 | Jan 1, 2026 | $877,443 | $61,421 |
| TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | Health | 28 | Jan 1, 2026 | $43,759 | $7,830 |
| EXPRESS SCRIPTS, INC. PRESCRIPTION DRUG PLAN | Health | 24 | Jan 1, 2026 | $52,176 | $5,135 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | 752 | Jan 1, 2026 | $55,593 | $3,892 |
| VISION SERVICE PLAN | Vision | 2,339 | Jan 1, 2026 | $514,103 | $0 |
Premium and claims on this contract
VISION SERVICE PLAN, contract 30035988. For the contract year on this filing, the carrier reported $514,103 in premium earned and $443,656 in claims incurred. Dividing one by the other gives 86%.
- VISION SERVICE PLAN, contract 30035988 reported $74,545 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
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.
Other plans filed by this employer
How this plan compares
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