| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 | 300 SECURITY BUILDING PO BOX 28 DUBUQUE, IA 52004 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $46K | — | $46K | 7.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL IOWA LLC | 15162 COLLECTIONS CENTER DR CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMAPNY | $9K | $54 | $9K | 7.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL IOWA LLC | 15162 COLLECTIONS CENTER DR CHICAGO, IL 60693 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $2K | $5K | 16.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL IOWA LLC | 15162 COLLECTIONS CENTER DR CHICAGO, IL 60693 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $2K | $5K | 18.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL IOWA LLC | 15162 COLLECTIONS CENTER DR CHICAGO, IL 60693 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $1K | $3K | 21.79% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COTTINGHAM & BUTLER EIN 42-0198040 BROKER | Other fees Service code 99 | 300 SECURITY BUILDING PO BOX 28 DUBUQUE, IA 52004 | $0 |
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 | 294 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 294 | $650K |
| Dental | METROPOLITAN LIFE INSURANCE COMAPNY | 385 | $113K |
| Life insurance(2 contracts) | MUTUAL OF OMAHA INSURANCE COMPANY | 287 | $45K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 287 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 385 | — |
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.