| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SERVI | PO BOX 28 DUBUQUE, IA 52004 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $16K | — | $16K | 2.63% |
| CHADWICK, MATTHEW R3 | 2323 CROSSROADS DR SUITE 220 MADISON, WI 53718 | WISCONSIN PHYSICIANS SERVICE INSURANCE CORPORATION | $12K | — | $12K | 2.72% |
| COTTINGHAM & BUTLER3 | 300 SECURITY BUILDING DUBUQUE, IA 52001 | DELTA DENTAL OF WISCONSIN | $6K | — | $6K | 9.22% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES | P.O. BOX 28 DUBUQUE, IA 52004 | HARTFORD LIFE AND ACCIDENT | $7K | $3K | $10K | 17.85% |
| COTTINGHAM & BUTLER3 | 300 SECURITY BUILDING DUBUQUE, IA 52001 | WYSSTA INSURANCE COMPANY INC | $853 | — | $853 | 8.00% |
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 | 151 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WISCONSIN PHYSICIANS SERVICE INSURANCE CORPORATION | 79 | $423K |
| Dental | DELTA DENTAL OF WISCONSIN | 100 | $60K |
| Vision | WYSSTA INSURANCE COMPANY INC | 84 | $11K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 150 | $56K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 150 | $56K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 150 | $56K |
| Prescription drug | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 133 | $622K |
| Other | HARTFORD LIFE AND ACCIDENT | 150 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.