Form 5500 · Employee benefit plan · CHIPPEWA FALLS, WI
SPECTRUM INDUSTRIES, INC
The filing calls this plan SPECTRUM INDUSTRIES, INC. EMPLOYEE BENEFITS PLAN.
SPECTRUM INDUSTRIES, INC of CHIPPEWA FALLS, WI insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is JA COUNTER & ASSOCIATES. Coverage is written through SECURITY HEALTH PLAN OF WISCONSIN, INC. and 2 other carriers. The plan's most recent policy period ended in March.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 39-1094074 · plan 501 · plan year 2026, filed Sep 23, 2026
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How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
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.
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 3 insured contracts covering health, dental, vision, life and disability; the largest, with SECURITY HEALTH PLAN OF WISCONSIN, INC., covers 172 people.
Reported premium across the insured contracts is $2,323,910, with $45,993 in disclosed broker commissions — about 2% of premium.
The most recent policy period ended in March, and the plan year ends March 31. Group contracts typically renew on that annual cycle.
JA COUNTER & ASSOCIATES is the broker of record on 2 of the 3 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including SECURITY HEALTH PLAN OF WISCONSIN, INC., UNITED OF OMAHA LIFE INSURANCE COMPANY and HEALTHPARTNERS INSURANCE COMPANY. SECURITY HEALTH PLAN OF WISCONSIN, INC. writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| SECURITY HEALTH PLAN OF WISCONSIN, INC. | Health | 172 | Apr 1, 2026 | $2,120,577 | $28,886 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Vision, Life, Disability | 152 | Apr 1, 2026 | $135,810 | $17,107 |
| HEALTHPARTNERS INSURANCE COMPANY | Dental | 175 | Apr 1, 2026 | $67,523 | $0 |
Premium and claims on this contract
SECURITY HEALTH PLAN OF WISCONSIN, INC., contract C0004633938. For the contract year on this filing, the carrier reported $1,950,557 in premium earned and $1,590,717 in claims incurred. Dividing one by the other gives 82%.
- SECURITY HEALTH PLAN OF WISCONSIN, INC., contract C0004633938 reported $177,327 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.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Reported to OSHA
Reported to OSHA for 2025: 177 employees, 6 recordable cases, 6 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
How this plan compares
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