| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KIMBERLY BECK3 | 800 MAIN STREET PO BOX 28 DUBUQUE, IA 52004 | HEALTH PARTNERS | $45K | — | $45K | 7.18% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE | SERVICES 151 W 8TH ST, 300 SECURITY BLDG DUBUQUE, IA 52001 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | $12K | $28K | 14.11% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE | SERVICES 151 W 8TH ST, 300 SECURITY BLDG DUBUQUE, IA 52001 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | $7K | $19K | 13.52% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE | SERVICES 151 W 8TH ST, 300 SECURITY BLDG DUBUQUE, IA 52001 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | $6K | $18K | 17.61% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE | SERVICES 151 W 8TH ST, 300 SECURITY BLDG DUBUQUE, IA 52001 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $3K | $10K | 24.77% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE | SERVICES 151 W 8TH ST, 300 SECURITY BLDG DUBUQUE, IA 52001 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $2K | $5K | 14.01% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE | SERVICES 151 W 8TH ST, 300 SECURITY BLDG DUBUQUE, IA 52001 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $2K | $6K | 23.77% |
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 | 762 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 762 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PARTNERS | 586 | $632K |
| Dental | HEALTH PARTNERS | 586 | $632K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 762 | $32K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 762 | $198K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 762 | $143K |
| Prescription drug | HEALTH PARTNERS | 586 | $632K |
| Stop-loss / reinsurancereinsurance | HEALTH PARTNERS | 586 | $632K |
| Other(3 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 762 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 762 | — |
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.