| 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 | $17K | — | $17K | 1.71% |
| ANDERSON FINANCIAL SERVICES INC3 | ANDERSON FINANCIAL SERVICES INC 4840 NORTH RIVER BLVD NE, #200 CEDAR RAPIDS, IA 52411 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 6.02% |
| 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 | 3.77% |
| BROKERAGE SOLUTIONS INC3 | 3979 PARK TOWNE CT NE CEDAR RAPIDS, IA 52402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.85% |
| 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 | 6.53% |
| 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 | 6.53% |
| BROKERAGE SOLUTIONS INC3 | 3979 PARK TOWNE CT NE CEDAR RAPIDS, IA 52402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.27% |
| BROKERAGE SOLUTIONS INC3 | 3979 PARK TOWNE CT NE CEDAR RAPIDS, IA 52402 | STANDARD INSURANCE COMPANY | $275 | — | $275 | 4.45% |
| SCOTT A ANDERSON3 | ANDERSON FINANCIAL SERVICES INC 4840 NORTH RIVER BLVD NE, #200 CEDAR RAPIDS, IA 52411 | STANDARD INSURANCE COMPANY | $75 | — | $75 | 1.21% |
| ROBERT A ANDERSON3 | ANDERSON FINANCIAL SERVICES INC 4840 NORTH RIVER BLVD NE, #200 CEDAR RAPIDS, IA 52411 | STANDARD INSURANCE COMPANY | $28 | — | $28 | 0.45% |
| THOMAS L PETSCHE3 | 3979 PARK TOWN CT NE CEDAR RAPIDS, IA 52402 | STANDARD INSURANCE COMPANY | $25 | — | $25 | 0.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SISCO (COTTINGHAM & BUTLER TPA) TPA & CONSULTANT | Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Claims processing Service code 12 | PO BOX 389 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 | 100 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 83 | $979K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 99 | $80K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 99 | $45K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 99 | $51K |
| Prescription drug(2 contracts, 2 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 83 | $979K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 83 | $979K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 99 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 99 | — |
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.