| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 | 300 SECURITY BUILDING DUBUQUE, IA 52004 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $35K | — | $35K | 8.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL IOWA LLC | 15162 COLLECTION CENTER DR CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $45 | $3K | 3.33% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $480 | $3K | 2.83% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE ROAD STE 240 NAPLES, FL 34110 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL IOWA LLC | 15162 COLLECTION CENTER DR CHICAGO, IL 60693 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 17.02% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1800 RTE 34 BLDG 4 WALL TOWNSHIP, NJ 07719 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL IOWA LLC | 15162 COLLECTION CENTER DR CHICAGO, IL 60693 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 20.36% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1800 RTE 34 BLDG 4 WALL TOWNSHIP, NJ 07719 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL IOWA LLC | 15162 COLLECTION CENTER DR CHICAGO, IL 60693 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $2K | $921 | $3K | 21.99% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1800 RTE 34 BLDG 4 WALL TOWNSHIP, NJ 07719 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | — | $659 | $659 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COTTINGHAM & BUTLER EIN 42-0198040 BROKER | Other fees Service code 99 | 300 SECURITY BUILDING 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 | 213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 213 | $421K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 301 | $102K |
| Life insurance(2 contracts) | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 246 | $38K |
| Long-term disability | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 246 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.