| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 | 800 MAIN ST DUBUQUE, IA 52004 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $18K | — | $18K | 1.93% |
| ANDERSON FINANCIAL SERVICES INC3 | 4840 N RIVER BLVD NE #200 CEDAR RAPIDS, IA 52411 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.53% |
| SCOTT A ANDERSON3 | ANDERSON FINANCIAL SERVICES INC. 4840 NORTH RIVER BLVD NE #200 CEDAR RAPIDS, IA 52411 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.42% |
| BROKERAGE SOLUTIONS INC3 Filed as: BROKERAGE SOLUTIONS INC. | 3979 PARK TOWNE CT NE CEDAR RAPIDS, IA 52402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.61% |
| SCOTT A ANDERSON3 | ANDERSON FINANCIAL SERVICES INC 4840 NORTH RIVER BLVD NE #200 CEDAR RAPIDS, IA 52411 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.95% |
| ROBERT A ANDERSON3 | ANDERSON FINANCIAL SERVICES INC. 4840 NORTH RIVER BLVD NE #200 CEDAR RAPIDS, IA 52411 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.95% |
| BROKERAGE SOLUTIONS INC3 Filed as: BROKERAGE SOLUTIONS INC. | 3979 PARK TOWNE CT NE CEDAR RAPIDS, IA 52402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.97% |
| BROKERAGE SOLUTIONS INC3 | 3979 PARK TOWNE CT NE CEDAR RAPIDS, IA 52402 | STANDARD INSURANCE COMPANY | $402 | — | $402 | 6.18% |
| SCOTT A ANDERSON3 | ANDERSON FINANCIAL SERVICES INC. 4840 NORTH RIVER BLVD NE #200 CEDAR RAPIDS, IA 52411 | STANDARD INSURANCE COMPANY | $185 | — | $185 | 2.84% |
| THOMAS L PETSCHE3 Filed as: THOMAS PETSCHE | 3979 PARK TOWNE CT NE CEDAR RAPIDS, IA 52402 | STANDARD INSURANCE COMPANY | $55 | — | $55 | 0.84% |
| ROBERT A ANDERSON3 | ANDERSON FINANCIAL SERVICES INC. 4840 NORTH RIVER BLVD NE #200 CEDAR RAPIDS, IA 52411 | STANDARD INSURANCE COMPANY | $35 | — | $35 | 0.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COTTINGHAM & BUTLER CONSULTANT | Consulting (general) Service code 16 | 800 MAIN ST DUBUQUE, IA 52004 | $8K |
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 | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 95 | $951K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 114 | $84K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 114 | $50K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 114 | $56K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 95 | $951K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 114 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.