Form 5500 · Employee benefit plan · APPLETON, WI
WOMEN'S HEALTH SPECIALISTS SC
The filing calls this plan WHS BENEFIT PLANS.
WOMEN'S HEALTH SPECIALISTS SC of APPLETON, WI is a 131-participant health care and social assistance employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is RSC INSURANCE BROKERAGE, INC.. Coverage is written through NETWORK HEALTH PLAN and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 39-1615365 · plan 501 · plan year 2025, filed Jul 1, 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: prepaid legal, 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, dental, vision, life and disability; the largest, with NETWORK HEALTH PLAN, covers 80 people.
Reported premium across the insured contracts is $1,722,976, with $74,728 in disclosed broker commissions — about 4.3% 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.
RSC INSURANCE BROKERAGE, INC. is the broker of record on 6 of the 7 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including NETWORK HEALTH PLAN, SUN LIFE ASSURANCE COMPANY OF CANADA, DELTA DENTAL OF WISCONSIN and WYSSTA INSURANCE COMPANY INC. NETWORK HEALTH PLAN writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| NETWORK HEALTH PLAN | Health | 80 | Jan 1, 2026 | $1,201,176 | $23,532 |
| SUN LIFE ASSURANCE COMPANY OF CANADA | Life, Disability | 122 | Jan 1, 2026 | $213,788 | $22,004 |
| DELTA DENTAL OF WISCONSIN | Dental | 148 | Jan 1, 2026 | $194,807 | $17,003 |
| DELTA DENTAL OF WISCONSIN | Dental | 121 | Jan 1, 2026 | $54,440 | $5,430 |
| SUN LIFE ASSURANCE COMPANY OF CANADA | Disability | 109 | Jan 1, 2026 | $27,282 | $4,426 |
| WYSSTA INSURANCE COMPANY INC | Vision | 219 | Jan 1, 2026 | $28,461 | $2,333 |
| METROPOLITAN GENERAL INSURANCE COMPANY | — | 13 | Jan 1, 2026 | $3,022 | $0 |
Premium and claims on these contracts
DELTA DENTAL OF WISCONSIN, contract 06125. For the contract year on this filing, the carrier reported $193,174 in premium earned and $177,112 in claims incurred. Dividing one by the other gives 92%.
DELTA DENTAL OF WISCONSIN, contract 06025. For the contract year on this filing, the carrier reported $54,440 in premium earned and $53,104 in claims incurred. Dividing one by the other gives 98%.
- DELTA DENTAL OF WISCONSIN, contract 06125 reported $43,513 in retention.
- DELTA DENTAL OF WISCONSIN, contract 06025 reported $12,243 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: 139 employees, 5 recordable cases, 0 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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