| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 | 800 MAIN STREET DUBUQUE, IA 52001 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $15K | — | $15K | 1.46% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GREAT PLAINS LLC | 4200 UNIVERSITY AVENUE, SUITE 200 WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $188 | $3K | 5.56% |
| BROKERAGE SOLUTIONS INC3 | 3979 PARK TOWNE CT NE CEDAR RAPIDS, IA 52402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $184 | $2K | 5.44% |
| ANDERSON FINANCIAL SERVICES INC4 | ANDERSON FINANCIAL SERVICES INC 4840 NORTH RIVER BLVD NE, STE #200 CEDAR RAPIDS, IA 52411 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $973 | $79 | $1K | 2.33% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GREAT PLAINS LLC | 4200 UNIVERSITY AVENUE, SUITE 200 WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $163 | $3K | 6.67% |
| BROKERAGE SOLUTIONS INC3 | 3979 PARK TOWNE CT NE CEDAR RAPIDS, IA 52402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $159 | $3K | 6.53% |
| ANDERSON FINANCIAL SERVICES INC4 | ANDERSON FINANCIAL SERVICES INC 4840 NORTH RIVER BLVD NE, STE #200 CEDAR RAPIDS, IA 52411 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $68 | $1K | 2.80% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GREAT PLAINS LLC | 4200 UNIVERSITY AVENUE, SUITE 200 WEST DES MOINES, IA 50266 | STANDARD INSURANCE COMPANY | $211 | — | $211 | 4.16% |
| BROKERAGE SOLUTIONS INC3 | 3979 PARK TOWNE CT NE CEDAR RAPIDS, IA 52402 | STANDARD INSURANCE COMPANY | $154 | — | $154 | 3.04% |
| SCOTT ANDERSON4 | ANDERSON FINANCIAL SERVICES INC 4840 NORTH RIVER BLVD NE, STE #200 CEDAR RAPIDS, IA 52411 | STANDARD INSURANCE COMPANY | $112 | — | $112 | 2.21% |
| THOMAS L PETSCHE3 Filed as: THOMAS PETSCHE | BROKERAGE SOLUTIONS INC 3979 PARK TOWNE CT NE CEDAR RAPIDS, IA 52402 | STANDARD INSURANCE COMPANY | $27 | — | $27 | 0.53% |
| ROBERT A ANDERSON4 Filed as: ROBERT ANDERSON | ANDERSON FINANCIAL SERVICES INC 4840 NORTH RIVER BLVD NE, STE #200 CEDAR RAPIDS, IA 52411 | STANDARD INSURANCE COMPANY | $3 | — | $3 | 0.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SISCO (COTTINGHAM & BUTLER TPA) TPA & CONSULTANT | Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | 800 MAIN STREET DUBUQUE, IA 52001 | $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 | 96 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| 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 SHIELD OF IOWA | 74 | $1.0M |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 96 | $84K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 96 | $45K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 96 | $50K |
| Prescription drug(2 contracts, 2 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 74 | $1.0M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 74 | $1.0M |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 96 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 96 | — |
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.