| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM SCHWARZENBART3 | 800 MAIN ST DUBUQUE, IA 52001 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $61K | $0 | $61K | 1.35% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE | 800 MAIN ST DUBUQUE, IA 520012001 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $8 | $8 | 0.00% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE | SERVICES LLC PO BOX 28 DUBUQUE, IA 520040028 | METROPOLITAN LIFE INSURANCE COMPANY | $130K | $28K | $158K | 15.54% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM 7 BUTLER INS SERVICES IN | 800 MAIN STREET PO BOX 28 DUBUQUE, IA 52004 | METLIFE LEGAL PLANS | $2K | $657 | $3K | 19.50% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS | SERVICES INC 800 MAIN STREET DUBUQUE, IA 52004 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | $101 | $1K | 15.37% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE | SERVICES LLC PO BOX 28 DUBUQUE, IA 520040028 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $3K | $14K | — |
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 | 879 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 897 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,025 | $4.6M |
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,633 | $1.0M |
| Vision(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,633 | $1.0M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,633 | $1.0M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,633 | $1.0M |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,633 | $1.0M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,025 | $4.6M |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,633 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,633 | — |
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.