| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCCARTY SARAH3 | ASSOCIATED BENEFITS AND RISK CONSUL 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | HEALTHPARTNERS INSURANCE COMPANY | $26K | — | $26K | 1.50% |
| OTTAVI, JOHN JOSEPH3 Filed as: OTTAVI JOHN JOSEPH | COTTINGHAM BUTLER SERVICES INC. 800 MAIN ST DUBUQUE, IA 52001 | HEALTHPARTNERS INSURANCE COMPANY | $21K | $98 | $22K | 1.25% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP, LLC | 711 EISENHOWER DR. KIMBERLY, WI 54136 | RELIASTAR LIFE INSURANCE COMPANY | $7K | $4K | $10K | 6.44% |
| COTTINGHAM & BUTLER3 | 800 MAIN ST DUBUQUE, IA 52001 | RELIASTAR LIFE INSURANCE COMPANY | $9K | — | $9K | 5.80% |
| COTTINGHAM & BUTLER3 | 800 MAIN ST DUBUQUE, IA 52001 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $4K | $12K | 7.64% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DR KIMBERLY, WI 54136 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $3K | $11K | 6.90% |
| COTTINGHAM & BUTLER3 | 800 MAIN ST DUBUQUE, IA 52001 | EYEMED | $823 | — | $823 | 7.69% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | EYEMED | $643 | — | $643 | 6.00% |
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 | 383 | 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) | 388 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 364 | $1.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 530 | $153K |
| Vision | EYEMED | 173 | $11K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 383 | $156K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 383 | $156K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 383 | $156K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 383 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 530 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.