| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 | PO BOX 28 DUBUQUE, IA 52004 | DELTA DENTAL OF IOWA | $1K | $204 | $1K | 2.37% |
| SELECT NETWORKS3 | 317 6TH AVENUE DES MOINES, IA 50309 | AVESIS THIRD PARTY ADMINISTRATORS, INC. | $2K | — | $2K | 11.00% |
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH COMPANIES LLC | 500 1ST STREET SE CEDAR RAPIDS, IA 52401 | AVESIS THIRD PARTY ADMINISTRATORS, INC. | $1K | — | $1K | 7.44% |
| COTTINGHAM & BUTLER3 | 800 MAIN STREET DUBUQUE, IA 52004 | AVESIS THIRD PARTY ADMINISTRATORS, INC. | $403 | — | $403 | 2.56% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 131 | $983K |
| Dental | DELTA DENTAL OF IOWA | 119 | $55K |
| Vision | AVESIS THIRD PARTY ADMINISTRATORS, INC. | 156 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.