| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 | 800 MAIN ST DUBUQUE, IA 52001 | GROUP HEALTH COOPERATIVE OF SOUTH CENTRAL WISCONSIN | $46K | — | $46K | 4.77% |
| COTTINGHAM & BUTLER3 | 300 SECURITY BLDG DUBUQUE, IA 52001 | DELTA DENTAL OF WISCONSIN | $6K | — | $6K | 5.44% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS. SVCS INC. | PO BOX 28 DUBUQUE, IA 520040028 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $3K | $14K | 15.80% |
| COTTINGHAM & BUTLER3 | 300 SECURITY BLDG DUBUQUE, IA 52001 | WYSSTA INSURANCE COMPANY INC. | $808 | — | $808 | 8.00% |
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 | 163 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GROUP HEALTH COOPERATIVE OF SOUTH CENTRAL WISCONSIN | 256 | $967K |
| Dental | DELTA DENTAL OF WISCONSIN | 141 | $103K |
| Vision | WYSSTA INSURANCE COMPANY INC. | 106 | $10K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 163 | $88K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 163 | $88K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 163 | $88K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 163 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.