| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES IN | PO BOX 28 DUBUQUE, IA 520040028 | RELIASTAR LIFE INSURANCE COMPANY | $11K | — | $11K | 2.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH CARE SERVICE CORPORATION EIN 36-1236610 NONE | Claims processing Service code 12 | — | $505K |
| HEALTHCHECK 360 NONE | Other services Service code 49 | PO BOX 28 DUBUQUE, IA 52004 | $207K |
| COTTINGHAM & BUTLER INS SERV, INC EIN 42-0198040 NONE | Consulting (general) Service code 16 | — | $72K |
| SELF INSURED SERVICES, INC EIN 42-1144827 NONE | Claims processing; Other services Service code 12 | — | $53K |
| BUTLER HEALTHCORP, INC EIN 42-1403200 NONE | Consulting (general) Service code 16 | — | $46K |
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 | 1,055 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,071 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 986 | $556K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 986 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.