| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 | 800 MAIN ST DUBUQUE, IA 52001 | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | $51K | — | $51K | 1.59% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | 800 MAIN ST DUBUQUE, IA 52001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $49K | $7K | $56K | 14.34% |
| BENEFIT TECHNOLOGY RESOURCES3 | 301 W PLATT STREET #507 TAMPA, FL 33606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 2.12% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER, INC | PO BOX 28 DUBUQUE, IA 520040028 | VISION SERVICE PLAN | $877 | — | $877 | 2.24% |
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 | 298 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | 539 | $3.2M |
| Dental | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | 539 | $3.2M |
| Vision | VISION SERVICE PLAN | 275 | $39K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 298 | $390K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 298 | $390K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 298 | $390K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 298 | $390K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 539 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.