| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 4.55% |
| COTTINGHAM & BUTLER3 | 2019 A EAST CAPITOL DR. APPLETON, WI 54911 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 3.76% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 8.21% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | 2109 A EAST CAPITOL DR. APPLETON, WI 54911 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 6.14% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | WYSSTA INSURANCE COMPANY INC | $2K | — | $2K | 5.44% |
| COTTINGHAM & BUTLER3 | 300 SECURITY BUILDING DUBUQUE, IA 52001 | WYSSTA INSURANCE COMPANY INC | $1K | — | $1K | 3.79% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNUM INSURANCE COMPANY | $2K | $382 | $2K | 16.03% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | 800 MAIN STREET DUBUQUE, IA 52001 | UNUM INSURANCE COMPANY | $857 | $214 | $1K | 8.93% |
| ASSUREX3 | STE 800, 175 SOUTH 3RD STREET COLUMBUS, OH 43215 | UNUM INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INS SERVICES | 800 MAIN STREET DUBUQUE, IA 52001 | UNUM INSURANCE COMPANY | $2K | $413 | $2K | 23.02% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNUM INSURANCE COMPANY | $91 | $15 | $106 | 0.99% |
| ASSUREX3 | STE 800, 175 SOUTH 3RD STREET COLUMBUS, OH 43215 | UNUM INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | 2109 A EAST CAPITOL DR. APPLETON, WI 54911 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $733 | — | $733 | 9.41% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $524 | — | $524 | 6.73% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | 800 MAIN STREET DUBUQUE, IA 52001 | UNUM INSURANCE COMPANY | $1K | $315 | $2K | 23.49% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNUM INSURANCE COMPANY | $82 | $14 | $96 | 1.44% |
| ASSUREX3 | STE 800, 175 SOUTH 3RD STREET COLUMBUS, OH 43215 | UNUM INSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 282 | 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) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | WYSSTA INSURANCE COMPANY INC | 177 | $31K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $73K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $38K |
| Other(5 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 56 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.