| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 | 800 MAIN ST DUBUQUE, IA 52001 | DEAN HEALTH PLAN INC | $20K | — | $20K | 2.07% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS | P O BOX 28 DUBUQUE, IA 52004 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | $3K | $24K | 10.34% |
| BENEUSA LLC3 | 1851 LAKE DR W #350 CHANHASSEN, MN 55317 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $9K | $9K | 3.74% |
| COTTINGHAM & BUTLER3 | 800 MAIN STREET DUBUQUE, IA 42004 | AETNA LIFE INSURANCE CO | — | $35 | $35 | 0.02% |
| SELECT NETWORKS3 | 317 6TH AVE DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 11.50% |
| COTTINGHAM & BUTLER3 | 151 WEST 8TH ST DUBUQUE, IA 52002 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 10.45% |
| STEELE INSURANCE3 Filed as: STEELE INS & FINL SVCS INC | 9020 CRAWFORDSVILLE ROAD INDIANAPOLIS, IN 46234 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.69% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $905 | — | $905 | 1.79% |
| STEELE INSURANCE3 Filed as: STEELE INS & FINL SVCS INC | 9020 CRAWFORDSVILLE RD INDIANAPOLIS, IN 46234 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 10.77% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B ST, 6TH FLOOR SAN DIEGO, CA 92101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 5.26% |
| COTTINGHAM & BUTLER3 | P O BOX 28 DUBUQUE, IA 52004 | KABEL BUSINESS SERVICES A DIVISION OF HK PAYROLL SERVICES INC | $682 | — | $682 | — |
| COTTINGHAM & BUTLER3 | 800 MAIN STREET DUBUQUE, IA 52004 | AETNA LIFE INSURANCE COMPANY | — | $35 | $35 | — |
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 | 861 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 861 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DEAN HEALTH PLAN INC | 218 | $970K |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 373 | $155K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 559 | $211K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 517 | $383K |
| Short-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 517 | $383K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 517 | $383K |
| Prescription drug(2 contracts, 2 carriers) | WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | 235 | $1.4M |
| Other(4 contracts, 3 carriers) | AETNA LIFE INSURANCE CO | 261 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 559 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.