| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | DEAN HEALTH PLAN | $9K | — | $9K | 2.45% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE | 800 MAIN STREET DUBUQUE, IA 52001 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $15K | $33K | 10.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1200 NORTH MAYFAIR RD MILWAUKEE, WI 53226 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 1.82% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE | PO BOX 28 DUBUQUE, IA 52004 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 4.18% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE | 800 MAIN STREET DUBUQUE, IA 52001 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $9K | $18K | 8.71% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1200 NORTH MAYFAIR RD MILWAUKEE, WI 53226 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 1.49% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE | 800 MAIN STREET DUBUQUE, IA 52001 | WYSSTA INSURANCE COMPANY INC | $7K | — | $7K | 7.98% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE | PO BOX 28 DUBUQUE, IA 52004 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $950 | $8K | 24.49% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE | 800 MAIN STREET DUBUQUE, IA 52004 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.66% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES | PO BOX 28 DUBUQUE, IA 52004 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | $3K | $970 | $4K | 55.18% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | $670 | — | $670 | 8.98% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE | PO BOX 28 DUBUQUE, IA 52004 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $5K | 567.32% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMPCARE HEALTH SERVICES INS CORP EIN 39-1462554 ADMINISTRATOR | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Float revenue Service code 12 | — | $281K |
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 TPA-DENTAL | Contract Administrator Service code 13 | — | $35K |
| BLUE CROSS BLUE SHIELD OF WI EIN 39-0138065 ADMINSTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Claims processing; Float revenue Service code 12 | — | $23K |
| INGENIO, RX EIN 82-3062245 PRESCRIPTION ADMINISTRAT | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing; Float revenue Service code 12 | — | -$177K |
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 | 1,016 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,019 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DEAN HEALTH PLAN | 35 | $352K |
| Vision | WYSSTA INSURANCE COMPANY INC | 638 | $86K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,019 | $331K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,019 | $324K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 585 | $211K |
| Other(5 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,019 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,019 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.