| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 | 300 SECURITY BUILDING DUBUQUE, IA 52001 | DELTA DENTAL OF WISCONSIN | $5K | — | $5K | 9.09% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | 800 MAIN ST DUBUQUE, IA 52004 | COMPANION LIFE INSURANCE COMPANY | $4K | — | $4K | 9.03% |
| HEARTLANDS BENEFITS GROUP LLC3 | PO BOX 41 SUN PRAIRIE, WI 53590 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 4.52% |
| MOLLY E LEE3 | 531 COUNTY ROAD A REWEY, WI 53580 | AFLAC | $3K | — | $3K | 18.14% |
| MANDY RUECHEL3 | 1030 LUM AVE WATERLOO, WI 53594 | AFLAC | $953 | — | $953 | 5.51% |
| EMILY N WAYNE3 | 1750 N CLYBOURN AVE APT 202 CHICAGO, IL 60614 | AFLAC | $481 | — | $481 | 2.78% |
| MICHAEL FRASIER3 | 258 CORPORATE DR STE 200 MADISON, WI 53714 | AFLAC | $475 | — | $475 | 2.75% |
| THE BENEFIT WORKS LLC3 | 6200 MINERAL POINT RD MADISON, WI 53705 | AFLAC | $219 | — | $219 | 1.27% |
| CASEY J HIGGINS3 | 9347 LIZARD ROCK TRL COLORADO SPRINGS, CO 80924 | AFLAC | $158 | — | $158 | 0.91% |
| JASON SCZEPANIAK3 | 1161 HERITAGE CT SUN PRARIE, WI 53590 | AFLAC | $30 | — | $30 | 0.17% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER, INC | PO BOX 28 DUBUQUE, IA 520040028 | VISION SERVICE PLAN | $186 | — | $186 | 2.02% |
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 | 194 | 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) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WISCONSIN | 112 | $60K |
| Vision | VISION SERVICE PLAN | 97 | $9K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 197 | $46K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 197 | $46K |
| Other(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 197 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.