| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SERV | 800 MAIN STREET DUBUQUE, IA 52001 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $213K | $213K | 4.21% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SVCS | 2109A E CAPITOL DR STE 1 APPLETON, WI 54911 | PRINCIPAL LIFE INSURANCE COMPANY | $39K | — | $39K | 10.08% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS | 800 MAIN ST DUBUQUE, IA 52001 | PRINCIPAL LIFE INSURANCE COMPANY | — | $6K | $6K | 1.47% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | 800 MAIN ST DUBUQUE, IA 52001 | FIRST UNUM LIFE INSURANCE COMPANY | $10K | $3K | $13K | 12.71% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | 800 MAIN ST DUBUQUE, IA 52001 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | $3K | $11K | 13.33% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | 800 MAIN ST DUBUQUE, IA 52001 | FIRST UNUM LIFE INSURANCE COMPANY | $7K | $2K | $9K | 13.21% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INC | 800 MAIN STREET DUBUQUE, IA 52001 | SHELTERPOINT LIFE INSURANCE COMPANY | $1K | — | $1K | 2.96% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | 800 MAIN ST DUBUQUE, IA 52001 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $3K | $245 | $3K | 10.96% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | 800 MAIN ST DUBUQUE, IA 52001 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | $809 | $3K | 13.58% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | 800 MAIN ST DUBUQUE, IA 52001 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | $479 | $2K | 13.63% |
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 | 658 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 37 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 743 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 754 | $5.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 1,045 | $387K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 1,045 | $387K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 931 | $172K |
| Short-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 261 | $126K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 261 | $80K |
| Other(5 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 931 | $233K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,045 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.