| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM BUTLER INSURANCE SERVICE | PO BOX 28 DUBUQUE, IA 52004 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 1.32% |
| MERITAIN HEALTH3 Filed as: MERITAIN HEALTH INC | 300 CORPORATE PKWY AMHERST, NY 14226 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 0.92% |
| COTTINGHAM & BUTLER Filed as: COTTINGHAM BUTLER INC | P O BOX 28 DUBUQUE, IA 52004 | AETNA LIFE INSURANCE COMPANY | $12K | — | $12K | 10.05% |
| COTTINGHAM & BUTLER Filed as: COTTINGHAM BUTLER INC | P O BOX 28 DUBUQUE, IA 52004 | AETNA LIFE INSURANCE COMPANY | $7K | — | $7K | 9.62% |
| COTTINGHAM & BUTLER Filed as: COTTINGHAM BUTLER INSURANCE SERVICE | 800 MAIN STREET DUBUQUE, IA 52002 | RELIANCE STANDARD LIFE INSURANCE | $10K | — | $10K | 20.00% |
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 | 225 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 34 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 132 | $446K |
| Dental | ANCHOR BENEFIT COUNSELING DENTAL | 227 | $50K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE | 168 | $52K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 210 | $122K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 128 | $73K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 132 | $445K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 157 | $201K |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 132 | $446K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.