| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SERV | 800 MAIN ST DUBUQUE, IA 52001 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $81K | $5K | $86K | 14.51% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INS SERV | PO BOX 28 DUBUQUE, IA 52004 | SUN LIFE ASSURANCE COMPANY OF CANADA | $30K | — | $30K | 10.57% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INS SERV | 151 W 8TH ST 300 SECURITY BLDG DUBUQUE, IA 52001 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $14K | $14K | 4.98% |
| REBECCA J SMITH INC4 | 2557 MICHAELSON WAY JACKSONVILLE, FL 32223 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $922 | — | $922 | 12.10% |
| COTTINGHAM & BUTLER4 Filed as: COTTINGHAM & BUTLER INS SERVICES | 800 MAIN ST DUBUQUE, IA 52001 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $48 | — | $48 | 0.63% |
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 | 169 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 220 | $591K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 378 | $284K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 378 | $284K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 378 | $284K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 378 | $284K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 378 | $284K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 378 | $291K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 378 | — |
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."
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.