| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE SER | 800 MAIN STREET DUBUQUE, IA 52001 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35K | $42K | $77K | 9.34% |
| COTTINGHAM & BUTLER3 | 800 MAIN STREET DUBUQUE, IA 520040028 | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC. | $22K | — | $22K | 8.02% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS | PO BOX 28 DUBUQUE, IA 52004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | $9K | $39K | 26.04% |
| THE UTLTIMATE SOFTWARE GROUP INC3 | ATTN LIZBETH RODRIGUEZ 1485 NORTH PARK DRIVE WESTON, FL 33326 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $7K | $7K | 5.00% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES IN | 800 MAIN STREET PO BOX 28 DUBUQUE, IA 52004 | METLIFE LEGAL PLANS | $8K | $3K | $10K | 13.44% |
| HRH WISCONSIN, INC.3 | 2323 N. MAYFAIR ROAD SUITE 600 MILWAUKEE, WI 53226 | METLIFE LEGAL PLANS | $0 | $39 | $39 | 0.05% |
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 | 2,275 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC. | 1,643 | $277K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,382 | $823K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,382 | $823K |
| Other(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,382 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,382 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.