| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER, INC. | 800 MAIN ST PO BOX 28 DUBUQUE, IA 52001 | SECURITY HEALTH PLAN OF WISCONSIN, INC | $28K | $0 | $28K | 1.01% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER, INC. | 800 MAIN ST PO BOX 28 DUBUQUE, IA 52001 | SECURITY HEALTH PLAN OF WISCONSIN, INC | $17K | $0 | $17K | 0.94% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE SVC | 800 MAIN ST DUBUQUE, IA 52001 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 7.19% |
| COTTINGHAM & BUTLER3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $1K | $7K | 15.51% |
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 | 215 | 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) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | SECURITY HEALTH PLAN OF WISCONSIN, INC | 165 | $4.7M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 148 | $47K |
| Short-term disability | STANDARD INSURANCE COMPANY | 140 | $69K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 148 | $47K |
| Prescription drug(2 contracts) | SECURITY HEALTH PLAN OF WISCONSIN, INC | 165 | $4.7M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 148 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.