| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER Filed as: COTTINGHAM & BUTLER INS SERVICES IN | PO BOX 28 DUBUQUE, IA 520040028 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $4K | $23K | 10.17% |
| GROUP INSURANCE SERVICES INC | PO BOX 901 NAPERVILLE, IL 605660901 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $3K | $12K | 5.51% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9K | $9K | 4.19% |
| GIS BENEFITS INC | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.36% |
| TIC INC | 701 SAND LAKE RD ONALASKA, WI 546502442 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.84% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES IN | PO BOX 28 DUBUQUE, IA 520040028 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $377 | $3K | 7.50% |
| GROUP INSURANCE SERVICES INC3 | PO BOX 901 NAPERVILLE, IL 605660901 | METROPOLITAN LIFE INSURANCE COMPANY | $829 | $891 | $2K | 3.85% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $829 | $829 | 1.85% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | METROPOLITAN LIFE INSURANCE COMPANY | $344 | — | $344 | 0.77% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | — | $301 | $301 | 0.67% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES IN | PO BOX 28 DUBUQUE, IA 520040028 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $279 | $2K | 12.33% |
| GROUP INSURANCE SERVICES INC3 | PO BOX 901 NAPERVILLE, IL 605660901 | METROPOLITAN LIFE INSURANCE COMPANY | $576 | $833 | $1K | 7.40% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $576 | $576 | 3.03% |
| TIC INC3 | 701 SAND LAKE RD ONALASKA, WI 54650 | METROPOLITAN LIFE INSURANCE COMPANY | $238 | — | $238 | 1.25% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | — | $228 | $228 | 1.20% |
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 | 318 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 130 | $64K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 318 | $225K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 318 | $225K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 318 | $225K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 318 | $225K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 318 | $225K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 318 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.