| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES | 800 MAIN STREET DUBUQUE, IA 52001 | BLUECROSS BLUESHIELD NEBRASKA | $0 | $13K | $13K | 1.12% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | 800 MAIN ST DUBUQUE, IA 52001 | UNUM INSURANCE COMPANY OF AMERICA | $39K | $8K | $47K | 12.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS AND BLUE SHIELD OF NEBRA | 1919 AKSARBEN DR OMAHA, NE 68180 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE SER | 800 MAIN ST DUBUQUE, IA 52001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 4.73% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | 800 MAIN ST DUBUQUE, IA 52001 | UNUM INSURANCE COMPANY OF AMERICA | $6K | $790 | $7K | 17.00% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES IN | 800 MAIN ST DUBUQUE, IA 52004 | ZURICH | $3K | — | $3K | 10.00% |
| COTTINGHAM & BUTLER3 | PO BOX 28 DUBUQUE, IA 520040028 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 20.15% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | 800 MAIN ST DUBUQUE, IA 52001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $203 | $1K | 11.99% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE SER | 800 MAIN ST DUBUQUE, IA 52001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS AND BLUE SHIELD OF NEBRA | 1919 AKSARBEN DR OMAHA, NE 68180 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $500 | $500 | 5.00% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE SER | 800 MAIN ST DUBUQUE, IA 52001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $921 | — | $921 | 15.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS AND BLUE SHIELD OF NEBRA | 1919 AKSARBEN DR OMAHA, NE 68180 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $307 | $307 | 5.00% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE SER | 800 MAIN ST DUBUQUE, IA 52001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $735 | — | $735 | 20.01% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS AND BLUE SHIELD OF NEBRA | 1919 AKSARBEN DR OMAHA, NE 68180 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $184 | $184 | 5.01% |
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 | 148 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD NEBRASKA | 159 | $1.2M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $56K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 181 | $11K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 250 | $10K |
| Short-term disability | UNUM INSURANCE COMPANY OF AMERICA | 197 | $392K |
| Long-term disability | UNUM INSURANCE COMPANY OF AMERICA | 197 | $392K |
| Other(6 contracts, 4 carriers) | UNUM INSURANCE COMPANY OF AMERICA | 280 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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."
No prospect flags tripped on this filing.