| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| W B A-EMPLOYEE BENEFITS CORP3 Filed as: W B A - EMPLOYEE BENEFITS CORP | W B A TRUST 4721 S BILTMORE LN MADISON, WI 53718 | DELTA DENTAL OF WISCONSIN | $72K | — | $72K | 4.75% |
| TAYLOR ORTON3 | COTTINGHAM AND BUTLER INSURANCE SER 800 MAIN ST DUBUQUE, IA 52001 | PREVEA360 HEALTH PLAN | $22K | — | $22K | 1.99% |
| WI BANKERS ASSOC EMPLOYEE BNFT3 Filed as: WI BANKERS ASSOC EMPLOYEE BNFT CORP | PO BOX 8880 MADISON, WI 53708 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $55K | $0 | $55K | 8.19% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $6K | 17.36% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | — | UNUM INSURANCE COMPANY | $3K | $973 | $4K | 19.93% |
| WBA EMPLOYEE BENEFITS CORP3 Filed as: WBA - EMPLOYEE BENEFIT CORP | 4721 S. BILTMORE LANE MADISON, WI 53718 | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC. | $1K | $0 | $1K | 7.50% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREVEA360 HEALTH PLAN | 0 | $1.1M |
| Dental | DELTA DENTAL OF WISCONSIN | 1,280 | $1.5M |
| Vision | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC. | 256 | $17K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,574 | $667K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 0 | $35K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 0 | $35K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,574 | $691K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,574 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.