Form 5500 · Employee benefit plan · WAUSAU, WI
WAUSAU SMILES LLC
The filing calls this plan WAUSAU SMILES LLC WRAP PLAN.
WAUSAU SMILES LLC of WAUSAU, WI spreads its employee benefits across 4 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is HUB INTERNATIONAL MIDWEST LTD. Coverage is written through ASPIRUS HEALTH PLAN and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 45-5190798 · plan 501 · plan year 2025, filed Oct 14, 2025
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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: 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 5 insured contracts covering health, vision, life and disability; the largest, with ASPIRUS HEALTH PLAN, covers 86 people.
Reported premium across the insured contracts is $509,952, with $23,338 in disclosed broker commissions — about 4.6% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in May. The plan is on a split renewal cycle.
HUB INTERNATIONAL MIDWEST LTD is the broker of record on 2 of the 5 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including ASPIRUS HEALTH PLAN, HARTFORD LIFE AND ACCIDENT, WYSSTA INSURANCE COMPANY INC and AMERICAN HERITAGE LIFE INSURANCE COMPANY. ASPIRUS HEALTH PLAN writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| ASPIRUS HEALTH PLAN | Health | 86 | Jan 1, 2025 | $460,867 | $16,044 |
| HARTFORD LIFE AND ACCIDENT | Life, Disability | 104 | Jun 1, 2025 | $43,871 | $6,581 |
| WYSSTA INSURANCE COMPANY INC | Vision | 43 | Jan 1, 2025 | $4,312 | $348 |
| AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | 4 | Jan 1, 2025 | $724 | $258 |
| AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | 4 | Jan 1, 2025 | $178 | $107 |
Premium and claims on this contract
ASPIRUS HEALTH PLAN, contract ASP10060. For the contract year on this filing, the carrier reported $460,867 in premium earned and $652,469 in claims incurred. Dividing one by the other gives 142%.
- ASPIRUS HEALTH PLAN, contract ASP10060 reported $16,044 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.
How this plan compares
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