| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 | P.O. BOX 28 DUBUQUE, IA 52004 | DELTA DENTAL OF IOWA | $14K | $2K | $16K | 5.93% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS | SERVICES P.O. BOX 28 DUBUQUE, IA 52004 | HARTFORD LIFE AND ACCIDENT | $18K | $3K | $21K | 9.83% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER, INC. | PO BOX 28 DUBUQUE, IA 520040028 | VISION SERVICE PLAN | $3K | — | $3K | 10.00% |
| SELECT NETWORKS3 | 317 6TH AVE STE 1040 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 11.00% |
| COTTINGHAM & BUTLER3 | 800 MAIN ST DUBUQUE, IA 52004 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| AMY R JAGER3 | 221 N WASHINGTON AVE SHELDON, IA 51201 | AFLAC | $190 | — | $190 | 2.31% |
| KEN D WOLTHUIZEN3 | 722 10TH ST SHELDON, IA 51201 | AFLAC | $174 | — | $174 | 2.11% |
| MICHAEL B ANDERSON3 | 125 VINCENT ST MIFFLINTOWN, PA 17059 | AFLAC | $58 | — | $58 | 0.70% |
| ANDREW E HEYING3 | 1201 BIRCH AVE ALTON, IA 51003 | AFLAC | $50 | — | $50 | 0.61% |
| GERRIT J VIS3 | PO BOX 86 1435 MAIN ST ROCK VALLEY, IA 51247 | AFLAC | $43 | — | $43 | 0.52% |
| STEVEN L. VONK3 Filed as: STEVEN L VONK | 1602 10TH ST ROCK VALLEY, IA 51247 | AFLAC | $36 | — | $36 | 0.44% |
| JANE W BARNHILL3 Filed as: JANE M POTTEBAUM | 19258 HAWTHORNE AVE CARROLL, IA 51401 | AFLAC | $34 | — | $34 | 0.41% |
| MK SWAN INC3 | 6610 HARVEST DR PAPILLION, NE 68133 | AFLAC | $33 | — | $33 | 0.40% |
| DANIEL CERO3 | 1936 MOUNT VIEW AVE MONTOURSVILLE, PA 17754 | AFLAC | $32 | — | $32 | 0.39% |
| RONALD B HEVENER3 | 1146 ADIAL RD FABER, VA 22938 | AFLAC | $18 | — | $18 | 0.22% |
| DELMER D WALINGA3 | PO BOX 218 212 MAIN ST HOSPERS, IA 51238 | AFLAC | $16 | — | $16 | 0.19% |
| MARK FRIEHE3 Filed as: MARK E FRIEHE | 8404 W CENTER RD STE 112 OMAHA, NE 68124 | AFLAC | $15 | — | $15 | 0.18% |
| JEFFREY CHUBB3 Filed as: JEFFREY C CHUBB | 349 W WALNUT TREE DR BLANDON, PA 19510 | AFLAC | $14 | — | $14 | 0.17% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $14 | — | $14 | 0.17% |
| GARY DEHAAN3 | 2225 RIVIERA RD UNIT 110 SIOUX CENTER, IA 51250 | AFLAC | $10 | — | $10 | 0.12% |
| KACY A GRUENKEMEYER3 | 558 CLINGMANS LN CHATTANOOGA, TN 37419 | AFLAC | $8 | — | $8 | 0.10% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $5 | — | $5 | 0.06% |
| SCOTT R FRITCHER3 | 212 NW SUNSET LN GRIMES, IA 50111 | AFLAC | $4 | — | $4 | 0.05% |
| AUSTIN J PETERSON3 | 11116 AURORA AVE URBANDALE, IA 50322 | AFLAC | $3 | — | $3 | 0.04% |
| LARRY W SHOWALTER3 | 2515 E MARKET ST STE E HARRISONBURG, VA 22801 | AFLAC | $3 | — | $3 | 0.04% |
| NICOLE M DUIN3 | 2220 46TH AVE SE APT 314 MANDAN, ND 58554 | AFLAC | $2 | — | $2 | 0.02% |
| HEATHER D SWANSON3 | 115 SE BAYTREE DR WAUKEE, IA 50263 | AFLAC | $1 | — | $1 | 0.01% |
| BERNARD J BRAZEAU3 | 6705 GRIMES ST INDIANOLA, IA 50125 | AFLAC | $1 | — | $1 | 0.01% |
| RONALD L HOVICK3 | 2214 SW 43RD TER CAPE CORAL, FL 33914 | AFLAC | $1 | — | $1 | 0.01% |
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 | 412 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF IOWA | 374 | $269K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 195 | $50K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 636 | $212K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 636 | $212K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 636 | $220K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 636 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.