| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SVCS | PO BOX 28 DUBUQUE, IA 52004 | HARTFORD LIFE AND ACCIDENT | $18K | — | $18K | 2.44% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES | P.O.BOX 28 DUBUQUE, IA 52004 | HARTFORD LIFE AND ACCIDENT | — | $8K | $8K | 1.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | PO BOX 101162 PASADENA, CA 911891162 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 0.20% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER, INC. | PO BOX 28 DUBUQUE, IA 520040028 | VISION SERVICE PLAN | $3K | — | $3K | 2.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLMARK BCBS EIN 42-0318333 NONE | Other fees; Claims processing; Direct payment from the plan Service code 12 | — | $393K |
| DELTA DENTAL EIN 42-0959302 NONE | Other fees; Claims processing; Direct payment from the plan Service code 12 | — | $41K |
| EMPLOYEE FAMILY RESOURCES EIN 42-0923932 NONE | Contract Administrator Service code 13 | — | $17K |
| CLIFTONLARSONALLEN EIN 41-0746749 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $16K |
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 | 775 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 791 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 712 | $8.3M |
| Vision | VISION SERVICE PLAN | 567 | $131K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 787 | $724K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 787 | $724K |
| Other | HARTFORD LIFE AND ACCIDENT | 787 | $724K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 787 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.