| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 | P.O. BOX 28 DUBUQUE, IA 52004 | DELTA DENTAL OF IOWA | $15K | $2K | $17K | 5.63% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS | SERVICES P.O. BOX 28 DUBUQUE, IA 52004 | HARTFORD LIFE AND ACCIDENT | $18K | $3K | $21K | 9.42% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER, INC. | PO BOX 28 DUBUQUE, IA 520040028 | VISION SERVICE PLAN | $3K | — | $3K | 10.00% |
| COTTINGHAM & BUTLER3 | 800 MAIN ST DUBUQUE, IA 52004 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.06% |
| WELLMARK INC Filed as: WELLMARK, INC | 1331 GRAND AVENUE DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $104 | — | $104 | 0.42% |
| AMY R JAGER3 | 221 N WASHINGTON AVE SHELDON, IA 51201 | AFLAC | $176 | — | $176 | 2.74% |
| KEN D WOLTHUIZEN3 | 722 10TH ST SHELDON, IA 51201 | AFLAC | $160 | — | $160 | 2.49% |
| ANDREW E HEYING3 | 1201 BIRCH AVE ALTON, IA 51003 | AFLAC | $46 | — | $46 | 0.72% |
| GERRIT J VIS3 | PO BOX 86 1435 MAIN ST ROCK VALLEY, IA 51247 | AFLAC | $39 | — | $39 | 0.61% |
| STEVEN L. VONK3 Filed as: STEVEN L VONK | 1602 10TH ST ROCK VALLEY, IA 51247 | AFLAC | $33 | — | $33 | 0.51% |
| JANE W BARNHILL3 Filed as: JANE M POTTEBAUM | 19258 HAWTHORNE AVE CARROLL, IA 51401 | AFLAC | $32 | — | $32 | 0.50% |
| MK SWAN INC3 | 6610 HARVEST DR PAPILLION, NE 68133 | AFLAC | $31 | — | $31 | 0.48% |
| DELMER D WALINGA3 | PO BOX 218 212 MAIN ST HOSPERS, IA 51238 | AFLAC | $15 | — | $15 | 0.23% |
| MARK FRIEHE3 Filed as: MARK E FRIEHE | 8404 W CENTER RD STE 112 OMAHA, NE 68124 | AFLAC | $14 | — | $14 | 0.22% |
| MICHAEL E MCCARTHY3 | 143 W WARFIELD DR MOORESVILLE, NC 28115 | AFLAC | $13 | — | $13 | 0.20% |
| GARY DEHAAN3 | 2225 RIVIERA RD UNIT 110 SIOUX CENTER, IA 51250 | AFLAC | $9 | — | $9 | 0.14% |
| KACY A GRUENKEMEYER3 | 558 CLINGMANS LN CHATTANOOGA, TN 37419 | AFLAC | $7 | — | $7 | 0.11% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $5 | — | $5 | 0.08% |
| AUSTIN J PETERSON3 | 11116 AURORA AVE URBANDALE, IA 50322 | AFLAC | $3 | — | $3 | 0.05% |
| SCOTT R FRITCHER3 | 212 NW SUNSET LN GRIMES, IA 50111 | AFLAC | $3 | — | $3 | 0.05% |
| RONALD L HOVICK3 | 2214 SW 43RD TER CAPE CORAL, FL 33914 | AFLAC | $1 | — | $1 | 0.02% |
| BERNARD J BRAZEAU3 | 6705 GRIMES ST INDIANOLA, IA 50125 | AFLAC | $1 | — | $1 | 0.02% |
| HEATHER D SWANSON3 | 115 SE BAYTREE DR WAUKEE, IA 50263 | AFLAC | $1 | — | $1 | 0.02% |
| COTTINGHAM & BUTLER | 800 MAIN STREET DUBUQUE, IA 52001 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 89.12% |
| SELECT NETWORKS | 6165 NW 86TH STREET STE 108 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $215 | — | $215 | 7.40% |
| WELLMARK INC Filed as: WELLMARK | 1331 GRAND AVEUNUE DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $101 | — | $101 | 3.48% |
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 | 432 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 434 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF IOWA | 389 | $293K |
| Vision(3 contracts, 2 carriers) | VISION SERVICE PLAN | 194 | $54K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 656 | $221K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 656 | $221K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 656 | $236K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 656 | — |
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.