| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SERV | 800 MAIN STREET DUBUQUE, IA 52001 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $36K | $36K | 1.29% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY, LTD | 1750 EAST GOLF ROAD SCHAUMBURG, IL 60173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $35K | $35K | 1.26% |
| COTTINGHAM & BUTLER3 | 800 MAIN STREET SUITE 1850 DUBUQUE, IA 52001 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $12K | $12K | 0.45% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE SER | 800 MAIN STREET DUBUQUE, IA 52001 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $6K | $6K | 0.23% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE | — | DELTA DENTAL OF ILLINOIS | $8K | — | $8K | 3.39% |
| ASSURANCE AGENCY LTD3 | — | DELTA DENTAL OF ILLINOIS | $4K | — | $4K | 1.61% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE SER | 800 MAIN STREET DUBUQUE, IA 52001 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 9.82% |
| ASSURANCE AGENCY LTD3 | 1750 EAST GOLF ROAD SCHAUMBURG, IL 60173 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 5.19% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE SER | 800 MAIN STREET DUBUQUE, IA 52001 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 9.82% |
| ASSURANCE AGENCY LTD3 | 1750 EAST GOLF ROAD SCHAUMBURG, IL 60173 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 5.19% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE SER | 800 MAIN STREET DUBUQUE, IA 52001 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 6.59% |
| ASSURANCE AGENCY LTD3 | 1750 EAST GOLF ROAD SCHAUMBURG, IL 60173 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.41% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE SER | 800 MAIN STREET DUBUQUE, IA 52001 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 18.61% |
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 | 357 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 369 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 300 | $2.8M |
| Dental | DELTA DENTAL OF ILLINOIS | 230 | $235K |
| Vision | VISION SERVICE PLAN | 254 | $27K |
| Life insurance | STANDARD INSURANCE COMPANY | 357 | $63K |
| Short-term disability | STANDARD INSURANCE COMPANY | 357 | $101K |
| Long-term disability | STANDARD INSURANCE COMPANY | 357 | $77K |
| Other(2 contracts) | STANDARD INSURANCE COMPANY | 357 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 357 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.