| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 | 300 SECURITY BUILDING DUBUQUE, IA 52004 | BLUE CROSS BLUE SHIELD OF ILLINOS | $40K | $6K | $45K | 6.89% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1060 BROADWAY ST STE 400 ALBANY, NY 12204 | METROPOLIAN LIFE INSURANCE COMPANY | $5K | — | $5K | 5.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL IOWA LLC | 15162 COLLECTION CENTER DR CHICAGO, IL 60693 | METROPOLIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL IOWA LLC | 15162 COLLECTION CENTER DR CHICAGO, IL 60693 | MUTUAL OF OMAHA | $4K | — | $4K | 9.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL IOWA LLC | 15162 COLLECTION CENTER DR CHICAGO, IL 60693 | MUTUAL OF OMAHA | $3K | — | $3K | 9.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL IOWA LLC | 15162 COLLECTION CENTER DR CHICAGO, IL 60693 | MUTUAL OF OMAHA | $2K | — | $2K | 15.00% |
| 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 | 247 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOS | 247 | $657K |
| Dental | METROPOLIAN LIFE INSURANCE COMPANY | 217 | $84K |
| Life insurance(2 contracts) | MUTUAL OF OMAHA | 269 | $48K |
| Long-term disability | MUTUAL OF OMAHA | 269 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.