| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM BUTLER INS SERV | 800 MAIN ST DUBUQUE, IA 520016822 | AMERITAS LIFE INSURANCE CORP. | $19K | $6K | $25K | 13.15% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES | — | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $4K | $21K | 12.80% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SERVI | — | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $24 | $24 | 0.12% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SERVI | — | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $349 | $3K | 20.62% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SERVI | — | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $304 | $2K | 12.39% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SERVI | — | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $240 | $2K | 22.82% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SERVI | — | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $200 | $2K | 22.02% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES | — | METROPOLITAN LIFE INSURANCE COMPANY | $522 | $80 | $602 | 19.45% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES | — | METROPOLITAN LIFE INSURANCE COMPANY | $260 | $51 | $311 | 19.85% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SERVI | — | METROPOLITAN LIFE INSURANCE COMPANY | $295 | $59 | $354 | 23.66% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES | — | METROPOLITAN LIFE INSURANCE COMPANY | $259 | $52 | $311 | 21.35% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SERVI | — | METROPOLITAN LIFE INSURANCE COMPANY | $144 | $40 | $184 | 24.34% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SERVI | — | METROPOLITAN LIFE INSURANCE COMPANY | $58 | $30 | $88 | 26.83% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SERVI | PO BOX 28 DUBUQUE, IA 52004 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $523 | $3K | — |
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 | 1,512 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,513 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 550 | $192K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 550 | $192K |
| Life insurance(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 280 | $194K |
| Short-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 280 | $175K |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 280 | $161K |
| Other(13 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 280 | $235K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 550 | — |
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.