| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 | P. O. BOX 28 DUBUQUE, IA 52004 | DELTA DENTAL OF IOWA | $3K | $297 | $3K | 6.66% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $6K | 14.92% |
| COTTINGHAM & BUTLER3 | 800 MAIN STREET DUBUQUE, IA 52004 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $901 | — | $901 | 10.00% |
| SELECT NETWORKS3 | 317 6TH AVENUE DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $490 | — | $490 | 5.44% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES | P.O. BOX 28 DUBUQUE, IA 52004 | HARTFORD LIFE AND ACCIDENT | $0 | $313 | $313 | — |
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 | 182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 60 | $690K |
| Dental | DELTA DENTAL OF IOWA | 57 | $45K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 113 | $9K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 182 | $42K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 182 | $42K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 182 | $42K |
| Other | HARTFORD LIFE AND ACCIDENT | 144 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.