| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE VOGT GROUP3 | 1055 UNIVERSITY AVE DUBUQUE, IA 52001 | TOKIO MARINE HCC | $16K | — | $16K | 8.96% |
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH COMPANIES | 500 FIRST STREET SE CEDAR RAPIDS, IA 52401 | TOKIO MARINE HCC | $5K | — | $5K | 3.04% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: LMC INSURANCE & RISK MANAGEMENT | 4200 UNIVERSITY AVE STE 200 WEST DES MOINES, IA 50266 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.66% |
| THE VOGT GROUP3 | 1750 CREEK WOOD DRIVE DUBUQUE, IA 52003 | RELIANCE STANDARD | $15K | — | $15K | 15.00% |
| MELODIE GALE3 | 16703 RIVER ROAD NORTH BRANCH, MN 55056 | RELIANCE STANDARD | — | $5K | $5K | 5.00% |
| THE VOGT GROUP3 | 1750 CREEK WOOD DRIVE DUBUQUE, IA 52003 | RELIANCE STANDARD | $5K | — | $5K | 15.00% |
| MELODIE GALE3 | 16703 RIVER ROAD NORTH BRANCH, MN 55056 | RELIANCE STANDARD | — | $2K | $2K | 5.00% |
| THE VOGT GROUP3 | 1750 CREEK WOOD DRIVE DUBUQUE, IA 52003 | RELIANCE STANDARD | $592 | — | $592 | 15.01% |
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 | 267 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TOKIO MARINE HCC | 179 | $176K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 377 | $102K |
| Life insurance(2 contracts) | RELIANCE STANDARD | 267 | $105K |
| Short-term disability | RELIANCE STANDARD | 267 | $101K |
| Long-term disability | RELIANCE STANDARD | 181 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 377 | — |
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.