| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANC | PO BOX 28 DUBUQUE, IA 52004 | SYMETRA LIFE INSURANCE COMPANY | $25K | $3K | $28K | 12.23% |
| COTTINGHAM & BUTLER3 | 300 SECURITY BUILDING DUBUQUE, IA 52001 | DELTA DENTAL OF WISCONSIN | $19K | — | $19K | 10.91% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANC | PO BOX 28 DUBUQUE, IA 52004 | SYMETRA LIFE INSURANCE COMPANY | $8K | $2K | $10K | 20.55% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INC | 800 MAIN STREET DUBUQUE, IA 52001 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM BUTLER INSURANCE SERV | 800 MAIN ST DUBUQUE, IA 52001 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 10.00% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE | SERVICES LLC PO BOX 28 DUBUQUE, IA 520040028 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $4K | $15K | — |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $1K | $7K | — |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S STE 710 MINNEAPOLIS, MN 554392440 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $352 | $5K | — |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE | SERVICES LLC PO BOX 28 DUBUQUE, IA 520040028 | METROPOLITAN LIFE INSURANCE COMPANY | $744 | $182 | $926 | — |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $196 | $39 | $235 | — |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S STE 710 MINNEAPOLIS, MN 554392440 | METROPOLITAN LIFE INSURANCE COMPANY | $157 | $7 | $164 | — |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE | SERVICES LLC PO BOX 28 DUBUQUE, IA 520040028 | METROPOLITAN LIFE INSURANCE COMPANY | $956 | $237 | $1K | — |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $252 | $50 | $302 | — |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S STE 710 MINNEAPOLIS, MN 554392440 | METROPOLITAN LIFE INSURANCE COMPANY | $201 | $9 | $210 | — |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE | SERVICES LLC PO BOX 28 DUBUQUE, IA 520040028 | METROPOLITAN LIFE INSURANCE COMPANY | $964 | $233 | $1K | — |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $254 | $51 | $305 | — |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S STE 710 MINNEAPOLIS, MN 554392440 | METROPOLITAN LIFE INSURANCE COMPANY | $203 | $9 | $212 | — |
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 | 294 | 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) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF WISCONSIN | 230 | $174K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 402 | $19K |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 291 | $232K |
| Short-term disability(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 291 | $232K |
| Long-term disability(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 291 | $232K |
| Other(6 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 478 | $319K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 478 | — |
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.