| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 | 800 MAIN ST DUBUQUE, IA 52004 | WELLMARK BLUE CROSS AND BLUE SHEILD OF IOWA | $15K | — | $15K | 1.59% |
| ANDERSON FINANCIAL SERVICES INC3 | 4840 NORTH RIVER BLVD NE, STE #200 CEDAR RAPIDS, IA 52411 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.52% |
| SCOTT A ANDERSON3 | ANDERSON FINANCIAL SERVICES INC 4840 NORTH RIVER BLVD NE, STE #200 CEDAR RAPIDS, IA 52411 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $988 | — | $988 | 3.46% |
| BROKERAGE SOLUTIONS INC3 | 3979 PARK TOWNE CT NE CEDAR RAPIDS, IA 52402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $746 | — | $746 | 2.61% |
| SCOTT A ANDERSON3 | ANDERSON FINANCIAL SERVICES INC 4840 NORTH RIVER BLVD NE, STE #200 CEDAR RAPIDS, IA 52411 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 6.01% |
| ROBERT A ANDERSON3 | ANDERSON FINANCIAL SERVICES INC 4840 NORTH RIVER BLVD NE, STE #200 CEDAR RAPIDS, IA 52411 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 6.01% |
| BROKERAGE SOLUTIONS INC3 | 3979 PARK TOWNE CT NE CEDAR RAPIDS, IA 52402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $674 | — | $674 | 3.00% |
| BROKERAGE SOLUTIONS INC3 | 3979 PARK TOWNE CT NE CEDAR RAPIDS, IA 52402 | STANDARD INSURANCE COMPANY | $148 | — | $148 | 3.46% |
| SCOTT A ANDERSON3 | ANDERSON FINANCIAL SERVICES INC 4840 NORTH RIVER BLVD NE, STE #200 CEDAR RAPIDS, IA 52411 | STANDARD INSURANCE COMPANY | $27 | — | $27 | 0.63% |
| ROBERT A ANDERSON3 | ANDERSON FINANCIAL SERVICES INC 4840 NORTH RIVER BLVD NE, STE #200 CEDAR RAPIDS, IA 52411 | STANDARD INSURANCE COMPANY | $12 | — | $12 | 0.28% |
| THOMAS L PETSCHE3 | 3979 PARK TOWN CT NE CEDAR RAPIDS, IA 52402 | STANDARD INSURANCE COMPANY | $10 | — | $10 | 0.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SISCO (COTTINGHAM & BUTLER TPA) TPA & CONSULTANT | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Consulting (general) Service code 12 | PO BOX 389 DUBUQUE, IA 52004 | $7K |
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 | 97 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 97 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK BLUE CROSS AND BLUE SHEILD OF IOWA | 79 | $955K |
| Life insurance(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 100 | $70K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 100 | $39K |
| Long-term disability(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 100 | $43K |
| Prescription drug(2 contracts, 2 carriers) | WELLMARK BLUE CROSS AND BLUE SHEILD OF IOWA | 79 | $955K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | WELLMARK BLUE CROSS AND BLUE SHEILD OF IOWA | 79 | $955K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 100 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 100 | — |
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.