| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 | PO BOX 28 DUBUQUE, IA 52004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $1K | $5K | 7.83% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 4.15% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INC | — | UNITED HEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| COTTINGHAM & BUTLER3 | PO BOX 28 DUBUQUE, IA 52004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $874 | $3K | 7.79% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 4.18% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 11.15% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INS SERVICES | PO BOX 28 DUBUQUE, IA 52004 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 8.61% |
| SENIOR COMMISSION FUNDING LLC3 | 6201 PRESIDENTIAL COURT FORT MYERS, FL 33919 | LIFESECURE INSURANCE COMPANY | $2K | — | $2K | 4.88% |
| ACSIA PARTNERS LLC3 Filed as: ACSIA LONG TERM CARE INC | 6201 PRESIDENTIAL COURT FORT MYERS, FL 33919 | LIFESECURE INSURANCE COMPANY | $101 | — | $101 | 0.31% |
| COTTINGHAM & BUTLER3 | PO BOX 28 DUBUQUE, WI 52004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $357 | $2K | 10.81% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 6.09% |
| COTTINGHAM & BUTLER3 | PO BOX 28 DUBUQUE, IA 52004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $457 | $154 | $611 | 7.79% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $328 | — | $328 | 4.18% |
| COTTINGHAM & BUTLER3 | PO BOX 28 DUBUQUE, IA 52004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $257 | $571 | $828 | 28.20% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $184 | — | $184 | 6.27% |
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 | 546 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 551 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 405 | $44K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 406 | $59K |
| Other(7 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 798 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 798 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.