| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES | 800 MAIN ST DUBUQUE, IA 52001 | BLUECROSS BLUESHIELD OF OKLAHOMA | $72K | $2K | $74K | 1.54% |
| OBS HOLDINGS, LLC DBA FREYMILLER3 | 8125 SW 15TH ST OKLAHOMA CITY, OK 73128 | BLUECROSS BLUESHIELD OF OKLAHOMA | — | $13 | $13 | 0.00% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SERVI | — | METROPOLITAN LIFE INSURANCE COMPANY | $58K | $10K | $67K | 13.11% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE | 800 MAIN ST DUBUQUE, IA 52001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $8K | $31K | 9.22% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS | 800 MAIN ST DUBUQUE, IA 520040028 | DELTA DENTAL | $11K | $13K | $24K | 12.66% |
| COTTINGHAM & BUTLER3 Filed as: COTTHINGHAM AND BUTLER | 800 MAIN ST DUBUQUE, IA 52001 | UNUM INSURANCE COMPANY | $17K | $2K | $19K | 24.80% |
| COTTINGHAM & BUTLER3 | PO BOX 28 DUBUQUE, IA 52004 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 9.05% |
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 | 390 | 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) | 390 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 504 | $4.8M |
| Dental | DELTA DENTAL | 465 | $191K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 405 | $46K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 909 | $846K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 909 | $846K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 909 | $846K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 909 | $923K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 909 | — |
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.