| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 | 800 MAIN ST DUBUQUE, IA 52001 | BLUE CROSS BLUE SHIELD OF WISCONSIN | $89K | — | $89K | 3.63% |
| COTTINGHAM & BUTLER3 | 800 MAIN ST DUBUQUE, IA 52001 | PHYSICIANS PLUS INSURANCE CORP | $34K | — | $34K | 2.94% |
| COTTINGHAM & BUTLER3 | PO BOX 28 DUBUQUE, IA 52004 | HARTFORD LIFE AND ACCIDENT | $30K | — | $30K | 10.43% |
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 | 712 | 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) | 712 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF WISCONSIN | 296 | $3.6M |
| Vision | WYSSTA INSURANCE COMPANY INC | 561 | $53K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 401 | $287K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 401 | $287K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 401 | $287K |
| Other | HARTFORD LIFE AND ACCIDENT | 401 | $287K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 561 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.