| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SERVI | PO BOX 28 DUBUQUE, IA 52004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $8K | $16K | 18.99% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE | PO BOX 28 DUBUQUE, IA 52004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $7K | $18K | 23.99% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE | 800 MAIN STREET DUBUQUE, IA 52001 | COMPANION LIFE INSURANCE | $5K | — | $5K | 8.51% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE | PO BOX 28 DUBUQUE, IA 52004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $5K | $10K | 19.32% |
| BUTLER INSURANCE SERVICES Filed as: BUTLER INSURANCE SERVICE, INC. -BOR | PO BOX 389 DUBUQUE, IA 52004 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 5.80% |
| COTTINGHAM & BUTLER Filed as: COTTINGHAM & BUTLER INSURANCE | PO BOX 28 DUBUQUE, IA 52001 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 4.18% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SERVI | PO BOX 28 DUBUQUE, IA 52004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $3K | $7K | 19.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $265K |
| COTTINGHAM & BUTLER INSURANCE EIN 42-0198040 BROKER | Other commissions Service code 55 | — | $36K |
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 | 361 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 589 | $38K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,126 | $188K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 169 | $85K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 226 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,126 | — |
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.