| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS | 800 MAIN ST DUBUQUE, IA 52001 | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | $27K | — | $27K | 5.35% |
| COTTINGHAM & BUTLER3 | PO BOX 28 DUBUQUE, IA 52001 | UNIFIED LIFE INSURANCE COMPANY | $100 | — | $100 | 0.30% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INC. | 800 MAIN STREET DUBUQUE, IA 52001 | UNION SECURITY INSURANCE COMPANY | $2K | $61 | $2K | 13.55% |
| COTTINGHAM & BUTLER3 | 800 MAIN ST DUBUQUE, IA 52001 | CARE-PLUS DENTAL PLANS, INC. | $901 | — | $901 | 6.00% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SER | 800 MAIN ST DUBUQUE, IA 52001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $128 | — | $128 | 5.73% |
| MAYNARD IRVIN HEBERT II3 | 439 ELLIS STREET FOND DU LAC, WI 54935 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | — | $70 | 3.14% |
| CAMERON SUTTON ROBERTS3 | N9404 ROSELLA DR APPLETON, WI 54915 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 2.55% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | 163 | $500K |
| Dental | CARE-PLUS DENTAL PLANS, INC. | 78 | $15K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 117 | $18K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 5 | $2K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 117 | $18K |
| Other(3 contracts, 3 carriers) | UNIFIED LIFE INSURANCE COMPANY | 131 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.