| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | 800 MAIN STREET DUBUQUE, IA 52004 | WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | $27K | — | $27K | 2.33% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INS SERVICES | PO BOX 28 DUBUQUE, IA 52004 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | $3K | $13K | 9.65% |
| D BRAMOW AGENCY LLC3 | 3343 SOUTHGATE CT SW STE 109 CEDAR RAPIDS, IA 52404 | AFLAC | $528 | $20 | $548 | 5.56% |
| CORY D NELSON3 | 215 HIGHWAY 965 NE STE 3 NORTH LIBERTY, IA 52317 | AFLAC | $116 | $6 | $122 | 1.24% |
| ROGERS BENEFIT GROUP INC3 Filed as: KATIE ROGERS | 3349 SOUTHGATE CT SW STE 109 CEDAR RAPIDS, IA 52404 | AFLAC | $61 | — | $61 | 0.62% |
| RANDALL M COOPER3 | 221 1ST STE NE STE C MOUNT VERNON, IA 52314 | AFLAC | $58 | — | $58 | 0.59% |
| NANCY KINTZLE3 | 26201 212TH AVE DELHI, IA 52223 | AFLAC | $53 | — | $53 | 0.54% |
| GEORGE E MIDDLETON3 | 1702 SINGING PALM DR APOPKA, FL 32712 | AFLAC | $26 | — | $26 | 0.26% |
| CONSUMER SYSTEMS INC3 | 276 PEACE AVE NW CEDAR RAPIDS, IA 52405 | AFLAC | $13 | — | $13 | 0.13% |
| DONNA R WATSON3 | 1225 E RIVER DR STE 315 DAVENPORT, IA 52803 | AFLAC | $9 | — | $9 | 0.09% |
| RICHARD R KIMBROUGH3 | 6380 N PARK MEADOW WAY APT 203 BOISE, ID 83713 | AFLAC | $8 | — | $8 | 0.08% |
| THE TODD GROUP3 | 4409 BLAIR RIDGE RD CEDAR FALLS, IA 50613 | AFLAC | $6 | — | $6 | 0.06% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $4 | — | $4 | 0.04% |
| KACY A GRUENKEMEYER3 | 558 CLINGMANS LN CHATTANOOGA, TN 37419 | AFLAC | $2 | — | $2 | 0.02% |
| MARK L DUNN3 | 2734 N RETIREMENT LN APT C BOISE, ID 83704 | AFLAC | $2 | — | $2 | 0.02% |
| SCOTT R FRITCHER3 | 3511 131ST ST URBANDALE, IA 50323 | AFLAC | $1 | — | $1 | 0.01% |
| STACEY LYN CASTELLANETA3 Filed as: STACEY SCHROCK | 3616 UNIVERSITY AVE APT 4 DES MOINES, IA 50311 | AFLAC | $1 | — | $1 | 0.01% |
| AUSTIN J PETERSON3 | 11116 AURORA AVE URBANDALE, IA 50322 | AFLAC | $1 | — | $1 | 0.01% |
| BERNARD J BRAZEAU3 | 6705 GRIMES ST INDIANOLA, IA 50125 | AFLAC | $0 | — | $0 | 0.00% |
| HEATHER D SWANSON3 | 4517 49TH PL DES MOINES, IA 50310 | AFLAC | $0 | — | $0 | 0.00% |
| RONALD L HOVICK3 | 2214 SW 43RD TER CAPE CORAL, FL 33914 | AFLAC | $0 | — | $0 | 0.00% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | 78 | $1.2M |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 105 | $131K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 105 | $131K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 105 | $131K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 105 | $131K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 105 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.