| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SERV | 800 MAIN STREET DUBUQUE, IA 52001 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $72K | — | $72K | 8.18% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS INC | 800 MAIN ST DUBUQUE, IA 52001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $24K | $8K | $31K | 18.06% |
| PAYCOM PAYROLL LLC5 | 7501 W MEMORIAL RD OKLAHOMA CITY, OK 73142 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 1.85% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE | SERVICES INC 800 MAIN ST DUBUQUE, IA 52001 | DELTA DENTAL OF MISSOURI | $7K | $0 | $7K | 7.48% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE | SERVICES INC 800 MAIN ST DUBUQUE, IA 52004 | ADVANTICA INSURANCE COMPANY | $2K | $0 | $2K | 10.69% |
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 | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 200 | $883K |
| Dental | DELTA DENTAL OF MISSOURI | 334 | $93K |
| Vision | ADVANTICA INSURANCE COMPANY | 262 | $17K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 307 | $174K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 307 | $174K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 307 | $174K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 307 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.