| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES | PO BOX 28 DUBUQUE, IA 52004 | UNITED HEALTHCARE INSURANCE COMPANY | — | $33K | $33K | 3.09% |
| COTTINGHAM & BUTLER3 | PO BOX 28 DUBUQUE, IA 52004 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $2K | $5K | 7.83% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC | 175 S 3RD ST STE 800 COLUMBUS, OH 43215 | METROPOLITAN LIFE INSURANCE COMPANY | — | $19 | $19 | 0.03% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS | PO BOX 28 DUBUQUE, IA 52004 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $1K | $7K | 11.69% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INC. | PO BOX 28 DUBUQUE, IA 520040028 | VISION SERVICE PLAN | $652 | — | $652 | 9.99% |
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 | 133 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 201 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 203 | $66K |
| Vision | VISION SERVICE PLAN | 69 | $7K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 133 | $58K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 133 | $58K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 133 | $58K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 133 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.