| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INS SERVICES | 800 MAIN STREET DUBUQUE, IA 52001 | BLUECROSS BLUESHIELD OF ILLINOIS | $39K | $1K | $40K | 3.17% |
| COTTINGHAM & BUTLER3 | 800 MAIN ST DUBUQUE, IA 52001 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $2K | $8K | 6.45% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INS SERVICES | 800 MAIN STREET DUBUQUE, IA 52001 | DEARBORN LIFE INSURANCE COMPANY | $4K | $2K | $6K | 14.62% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS INC | 800 MAIN ST DUBUQUE, IA 52001 | COMPANION LIFE INSURANCE COMPANY | $5K | $1K | $6K | 18.61% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS INC | 800 MAIN ST DUBUQUE, IA 52001 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | $1K | $5K | 16.05% |
| COTTINGHAM & BUTLER3 | PO BOX 28 DUBUQUE, IA 520040028 | EYEMED VISION CARE | $3K | — | $3K | 15.96% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS INC | PO BOX 28 DUBUQUE, IA 52004 | METLIFE LEGAL PLANS | $101 | $4 | $105 | 10.42% |
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 | 156 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 134 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 233 | $118K |
| Vision | EYEMED VISION CARE | 338 | $18K |
| Life insurance(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 158 | $103K |
| Long-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 158 | $70K |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 158 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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."
No prospect flags tripped on this filing.