| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 | 300 SECURITY BUILDING DUBUQUE, IA 52001 | DELTA DENTAL OF WISCONSIN | $8K | — | $8K | 9.08% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | 800 MAIN ST DUBUQUE, IA 52004 | COMPANION LIFE INSURANCE COMPANY | $5K | — | $5K | 7.45% |
| HEARTLAND BENEFITS GROUP LLC3 Filed as: HEARTLAND BENEFITS GROUP, LLC | PO BOX 41 SUN PRAIRIE, WI 53590 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 3.73% |
| MOLLY E LEE3 | 4840 E DIAMOND DR PRESCOTT, AZ 86301 | AFLAC | $5K | $124 | $6K | 21.79% |
| MICHAEL FRASIER3 | 258 CORPORATE DR STE 200 MADISON, WI 53714 | AFLAC | $747 | $52 | $799 | 3.15% |
| EMILY N WAYNE3 | 1750 N CLYBOURN AVE APT 202 CHICAGO, IL 60614 | AFLAC | $480 | $0 | $480 | 1.89% |
| MANDY RUECHEL3 | 1030 LUM AVE WATERLOO, WI 53594 | AFLAC | $331 | $54 | $385 | 1.52% |
| THE BENEFIT WORKS LLC3 | 6200 MINERAL POINT RD MADISON, WI 53705 | AFLAC | $219 | $0 | $219 | 0.86% |
| CASEY J HIGGINS3 | 9347 LIZARD ROCK TRL COLORADO SPRINGS, CO 80924 | AFLAC | $157 | $0 | $157 | 0.62% |
| JASON SCZEPANIAK3 | 1161 HERITAGE CT SUN PRARIE, WI 53590 | AFLAC | $30 | $0 | $30 | 0.12% |
| COTTINGHAM & BUTLER3 | — | QBE INSURANCE | $0 | — | $0 | 0.00% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER, INC | PO BOX 28 DUBUQUE, IA 520040028 | VISION SERVICE PLAN | $288 | — | $288 | 2.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 235 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WISCONSIN | 158 | $89K |
| Vision | VISION SERVICE PLAN | 152 | $14K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 238 | $65K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 238 | $65K |
| Other(3 contracts, 3 carriers) | COMPANION LIFE INSURANCE COMPANY | 238 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.