| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INS SVCS | 800 MAIN STREET DUBUQUE, IA 52001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $912 | $4K | 19.74% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INS SVCS | 800 MAIN STREET DUBUQUE, IA 52001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $913 | $4K | 19.78% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | 300 SECURITY BUILDING DUBUQUE, IA 52001 | WYSSTA INSURANCE COMPANY, INC. | $931 | $0 | $931 | 7.26% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INS SVCS | 800 MAIN STREET DUBUQUE, IA 52001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $600 | $600 | 4.83% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INS SVCS | 800 MAIN STREET DUBUQUE, IA 52001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $331 | $331 | 4.78% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM INSURANCE COMPANY | $555 | $46 | $601 | 14.17% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | 800 MAIN STREET DUBUQUE, IA 52001 | UNUM INSURANCE COMPANY | $195 | $26 | $221 | 5.21% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | 800 MAIN STREET DUBUQUE, IA 52001 | UNUM INSURANCE COMPANY | $358 | $64 | $422 | 9.99% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM INSURANCE COMPANY | $284 | $26 | $310 | 7.34% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | WYSSTA INSURANCE COMPANY, INC. | 89 | $13K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 141 | $32K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 40 | $26K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 141 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.