| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHUM AND BUTLER INC SVCS3 Filed as: COTTINGHUM & BUTLER INS SERVICES | 800 MAIN ST DUBUQUE, ID 520046822 | UNITEDHEALTHCARE INSURANCE COMPANY | $38K | $0 | $38K | 3.80% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE LLC | 2323 CROSSROADS DR #220 MADISON, WI 53718 | WELLMARK HEALTH PLAN OF IOWA | $8K | $0 | $8K | 2.43% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE INC | 2323 CROSSROADS DR #220 MADISON, WI 53718 | WELLMARK HEALTH PLAN OF IOWA | $6K | $0 | $6K | 1.83% |
| COTTINGHUM AND BUTLER INC SVCS3 | PO BOX 28 DUBUQUE, ID 52004 | DELTA DENTAL OF IOWA | $5K | $511 | $5K | 5.66% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE SE | 2323 CROSSROADS DR #220 MADISON, WI 53718 | WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | $2K | $0 | $2K | 3.13% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE SER | 2323 CROSSROADS DR #220 MADISON, WI 53718 | WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | $1K | $0 | $1K | 1.76% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE SER | PO BOX 28 DUBUQUE, ID 52004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $1K | $3K | 11.90% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE SER | PO BOX 28 DUBUQUE, ID 52004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $981 | $1K | $2K | 9.59% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE SER | 800 MAIN ST DUBUQUE, ID 52001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE SER | 800 MAIN ST DUBUQUE, ID 52001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| COTTINGHUM AND BUTLER INC SVCS3 | PO BOX 28 DUBUQUE, ID 52004 | VERATRUS BENEFIT SOLUTIONS, INC | $2K | $0 | $2K | 10.00% |
| PAPE ALAN3 Filed as: PAPE RHONDA S | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.76% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS INC | PO BOX 28 DUBUQUE, IA 52004 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.99% |
| PAPE ALAN3 Filed as: PAPE COLE M | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $902 | $0 | $902 | 5.61% |
| PAPE DANE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $872 | $0 | $872 | 5.42% |
| PAPE ALAN3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $80 | $0 | $80 | 0.50% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | PO BOX 1863 CEDAR RAPIDS, IA 52406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | $0 | $21 | 0.13% |
| PAPE ALAN3 Filed as: PAPE RHONDA | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE SER | 800 MAIN ST DUBUQUE, ID 52001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE SER | PO BOX 28 DUBUQUE, ID 52004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $562 | $2K | 20.90% |
| COTTINGHUM AND BUTLER INC SVCS3 Filed as: COTTINGHUM & BUTLER INS SVCS | PO BOX 28 DUBUQUE, ID 52004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $818 | $476 | $1K | 14.13% |
| THE ULTIMATE SOFTWARE GROUP3 | 2000 ULTIMATE WAY WESTON, FL 33326 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 29.53% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE SER | 800 MAIN ST DUBUQUE, ID 52001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 20.01% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE SER | 800 MAIN ST DUBUQUE, ID 52001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $631 | $0 | $631 | 9.99% |
| THE ULTIMATE SOFTWARE GROUP3 | 2000 ULTIMATE WAY WESTON, FL 33326 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 66.63% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE SER | 800 MAIN ST DUBUQUE, ID 52001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 20.01% |
| THE ULTIMATE SOFTWARE GROUP3 | 2000 ULTIMATE WAY WESTON, FL 33326 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 87.74% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE SER | 800 MAIN ST DUBUQUE, ID 52001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $912 | $0 | $912 | 20.00% |
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 | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 172 | $1.4M |
| Dental | DELTA DENTAL OF IOWA | 135 | $95K |
| Vision | VERATRUS BENEFIT SOLUTIONS, INC | 123 | $17K |
| Life insurance(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 183 | $38K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 183 | $41K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 183 | $44K |
| Other(8 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 183 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.