| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE | SERVICES 800 MAIN STREET DUBUQUE, IA 52001 | BLUE CROSS AND BLUE SHIELD OF TEXAS | $102K | $5K | $108K | 2.02% |
| ACTEON US HOLDINGS INC0 | 15990 N BARKERS LANDING SUITE 200 HOUSTON, TX 770792458 | BLUE CROSS AND BLUE SHIELD OF TEXAS | $0 | $1 | $1 | 0.00% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES | P. O. BOX 28 DUBUQUE, IA 52004 | HARTFORD LIFE AND ACCIDENT | $96K | $2K | $97K | 16.18% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANC | 800 MAIN STREET DUBUQUE, IA 52001 | GUARDIAN | $74K | $12K | $85K | 19.32% |
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 | 486 | 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) | 486 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF TEXAS | 997 | $5.3M |
| Dental | GUARDIAN | 443 | $442K |
| Vision | GUARDIAN | 443 | $442K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 487 | $602K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 487 | $602K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 487 | $602K |
| Other | HARTFORD LIFE AND ACCIDENT | 487 | $602K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 997 | — |
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.