| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVS INC | 800 MAIN STREET DUBUQUE, IA 52001 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $223 | $3K | 10.69% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVS INC | 800 MAIN STREET DUBUQUE, IA 52001 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 13.26% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVS INC | 800 MAIN STREET DUBUQUE, IA 52001 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 8.71% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVS INC | 800 MAIN STREET DUBUQUE, IA 52001 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $455 | $2K | 12.34% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVS INC | 800 MAIN STREET DUBUQUE, IA 52001 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $259 | $3K | 22.06% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVS INC | 800 MAIN STREET DUBUQUE, IA 52001 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $248 | $3K | 22.20% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVS INC | 800 MAIN STREET DUBUQUE, IA 52001 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $655 | — | $655 | 15.01% |
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 | 398 | 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) | 398 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 179 | $20K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 43 | $19K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 179 | $23K |
| Stop-loss / reinsurancereinsurance | SELF INSURED SERVICES COMPANY (SISCO) | 148 | $476K |
| Other(5 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 179 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.