| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES | 800 MAIN STREET DUBUQUE, IA 52004 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $103K | $790 | $104K | 6.92% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES | 800 MAIN STREET DUBUQUE, IA 52001 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 15.20% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES | PO BOX 28 DUBUQUE, IA 52004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $801 | $8K | 16.66% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES | PO BOX 28 DUBUQUE, IA 52004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $509 | $4K | 11.57% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES | PO BOX 28 DUBUQUE, IA 52004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $398 | $3K | 11.69% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES | PO BOX 28 DUBUQUE, IA 52004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $338 | $3K | 11.49% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES | PO BOX 28 DUBUQUE, IA 52004 | VISION SERVICE PLAN | $2K | — | $2K | 9.12% |
| ASSUREX GLOBAL CORPORATION3 Filed as: ASSUREX GLOBAL CORP | 175 S 3RD ST STE 800 COLUMBUS, OH 43215 | VISION SERVICE PLAN | $347 | — | $347 | 1.86% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES | PO BOX 28 DUBUQUE, IA 52004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $243 | $3K | 16.10% |
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 | 318 | 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) | 318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 318 | $1.5M |
| Dental | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 225 | $111K |
| Vision | VISION SERVICE PLAN | 205 | $19K |
| Life insurance(3 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 592 | $192K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 142 | $46K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 129 | $16K |
| Other(3 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 592 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 592 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.