| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SERVI | PO BOX 28 DUBUQUE, IA 520040028 | RELIASTAR LIFE INSURANCE COMPANY | $49K | — | $49K | 6.13% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMINISTRATION, | 101 S GARLAND AVE STE 203 ORLANDO, FL 328013277 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $8K | $8K | 1.00% |
| COTTINGHAM & BUTLER3 | 800 MAIN STREET DUBUQUE, IA 52004 | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC | $24K | — | $24K | 8.00% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE SER | 800 MAIN STREET DUBUQUE, IA 52002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $2K | $8K | 3.13% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES IN | 800 MAIN STREET PO BOX 28 DUBUQUE, IA 52004 | METLIFE LEGAL PLANS | $8K | $662 | $9K | 10.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN, INC. | C/O JP MORGAN CHASE 93033 NETWORK PLACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS | — | $192 | $192 | 0.24% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE SER | 800 MAIN STREET DUBUQUE, IA 52002 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 11.00% |
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 | 2,329 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,351 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC | 1,693 | $299K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 3,498 | $792K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 118 | $14K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,320 | $268K |
| Other | METLIFE LEGAL PLANS | 407 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,498 | — |
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."
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.