| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SERVI | PO BOX 28 DUBUQUE, IA 52004 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $24K | — | $24K | 1.28% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE SER | 800 MAIN ST DUBUQUE, IA 52001 | STANDARD INSURANCE COMPANY | $47K | $17K | $64K | 14.18% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SERVI | 800 MAIN ST DUBUQUE, IA 52001 | SELECTHEALTH | $9K | $0 | $9K | 4.30% |
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 | 247 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 259 | $2.1M |
| Dental | STANDARD INSURANCE COMPANY | 245 | $453K |
| Vision | STANDARD INSURANCE COMPANY | 245 | $453K |
| Life insurance | STANDARD INSURANCE COMPANY | 245 | $453K |
| Short-term disability | STANDARD INSURANCE COMPANY | 245 | $453K |
| Long-term disability | STANDARD INSURANCE COMPANY | 245 | $453K |
| Prescription drug | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 259 | $1.9M |
| Other | STANDARD INSURANCE COMPANY | 245 | $453K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.