| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE | SERVICES 800 MAIN STREET DUBUQUE, IA 52001 | BLUECROSS BLUESHIELD OF ILLINOIS | $8K | $1 | $8K | 0.29% |
| GROUP BENEFIT PARTNERS LLC3 | PO BOX 133 FORT MADISON, IA 52001 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $1 | $1 | 0.00% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INS | SERVICES 800 MAIN STREET DUBUQUE, IA 52001 | DEARBORN LIFE INSURANCE COMPANY | $25K | $5K | $30K | 17.22% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER, INC | PO BOX 28 DUBUQUE, IA 520040028 | VISION SERVICE PLAN | $1K | — | $1K | 5.44% |
| ASSUREDPARTNERS3 Filed as: 022ASSUREDPARTNERS CAPITAL, INC. | 914 AVENUE G FORT MADISON, IA 52627 | VISION SERVICE PLAN | -$77 | — | -$77 | -0.37% |
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 | 403 | 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) | 403 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 430 | $2.7M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 430 | $2.7M |
| Vision | VISION SERVICE PLAN | 231 | $21K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 275 | $175K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 275 | $175K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 275 | $175K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 275 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 430 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.