| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE SER | 800 MAIN ST DUBUQUE, IA 52001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $4K | $22K | 18.00% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | INSURANCE SER 800 MAIN ST DUBUQUE, IA 52001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $2K | $11K | 13.00% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SER | 800 MAIN ST DUBUQUE, IA 52001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $2K | $10K | 13.00% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | INSURANCE SER 800 MAIN ST DUBUQUE, IA 52001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $4K | $18K | 25.00% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE SER | 800 MAIN ST DUBUQUE, IA 52001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 13.00% |
| MJ INSURANCE3 Filed as: COTTINGHAM AND BUTLERI NSURANCE SER | 800 MAIN ST DUBUQUE, IA 52001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $2K | $10K | 25.00% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SER | 800 MAIN ST DUBUQUE, IA 52001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 25.00% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | INSURANCE SER 800 MAIN ST DUBUQUE, IA 52001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | INSURANCE SER 800 MAIN ST DUBUQUE, IA 52001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $507 | $2K | 13.00% |
| COTTINGHAM & BUTLER3 | 800 MAIN STREET DUBUQUE, IA 52001 | QBE INSURANCE | $2K | — | $2K | 10.00% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | INSURANCE SER 800 MAIN ST DUBUQUE, IA 52001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $459 | $2K | 13.00% |
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 | 267 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 165 | $78K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 330 | $18K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 267 | $17K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $82K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 63 | $15K |
| Other(8 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 267 | $428K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.