| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE | 800 MAIN STREET DUBUQUE, IA 520016822 | HUMANA WISCONSIN HEALTH ORGANIZATION INSURANCE CORPORAT | $12K | — | $12K | 3.51% |
| THE STARR GROUP3 Filed as: STARR INS GRP LTD | PO BOX 20001 GREENFIELD, WI 532200001 | HUMANA WISCONSIN HEALTH ORGANIZATION INSURANCE CORPORAT | -$161 | — | -$161 | -0.05% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE | 800 MAIN STREET DUBUQUE, IA 520016822 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 8.72% |
| THE STARR GROUP3 Filed as: STARR INS GRP LTD | PO BOX 20001 GREENFIELD, WI 532200001 | HUMANA INSURANCE COMPANY | -$2 | — | -$2 | -0.01% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES | 800 MAIN STREET DUBUQUE, IA 52001 | CONTINENTAL AMERICAN INSURANCE COMPANY | $106 | — | $106 | 1.55% |
| LINDA J LAYBER3 | 36345 SILVER MAPLE LN OCONOMOWOC, WI 53066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.28% |
| DIANE L STOIBER3 | 300 N CORPORATE DRIVE STE 300 BROOKEFILED, WI 53045 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.28% |
| PATRICIA SUMMERS3 | 2725 S MOORLAND RD STE 301 NEW BERLIN, WI 53151 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.13% |
| JACK D BREES3 | 2989 S WAUKESHA RD MILWAUKEE, WI 53227 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.13% |
| JANET BURACZEWSKI3 Filed as: JANET S BURACZEWSKI | W272 S4097 OVERLOOK LANE WAUKESHA, WI 53189 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.10% |
| JOSEPH P HOFFMAN3 | 2537 N SWAN BLVD MILWAUKEE, WI 53226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.06% |
| MANDY RUECHEL3 | 2093 COUNTY ROAD NN OCONTO, WI 54153 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.04% |
| MICHAEL W FRASIER3 Filed as: MICHAEL W FRAISIER | 4412 WALLACE AVENUE MONONA, WI 53716 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.04% |
| LINDA J LAYBER3 | 36345 SILVER MAPLE LN OCONOMOWOC, WI 53066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
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 | 277 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA WISCONSIN HEALTH ORGANIZATION INSURANCE CORPORAT | 144 | $346K |
| Dental | HUMANA INSURANCE COMPANY | 124 | $23K |
| Vision | HUMANA INSURANCE COMPANY | 124 | $23K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 274 | $4K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 93 | $7K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 274 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.