| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ORTON, TAYLOR3 Filed as: ORTON, TAYLOR M | 2323 CROSSROADS DR MADISON, WI 53718 | WISCONSIN PHYSICIANS SERVICE INSURANCE CORPORATION | $11K | — | $11K | 2.18% |
| TAYLOR ORTON3 | — | WPS HEALTH PLAN INC | $9K | — | $9K | 2.56% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INC | PO BOX 28 DUBUQUE, IA 52004 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 13.99% |
| COTTINGHAM & BUTLER3 | 800 MAIN STREET P.O. BOX 28 DUBUQUE, IA 52004 | CARE-PLUS DENTAL PLANS, INC | $1K | — | $1K | 6.00% |
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 | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WISCONSIN PHYSICIANS SERVICE INSURANCE CORPORATION | 91 | $864K |
| Dental | CARE-PLUS DENTAL PLANS, INC | 62 | $20K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 115 | $50K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 115 | $50K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 115 | $50K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 115 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.