| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 | 800 MAIN ST DUBUQUE, IA 52001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36K | $12K | $49K | 7.98% |
| THE VOGT GROUP3 Filed as: THE VOGT GROUP INC | 1750 CREEK WOOD DR DUBUQUE, IA 520037603 | PRINCIPAL LIFE INSURANCE COMPANY | $79K | — | $79K | 12.95% |
| BENEUSA LLC3 | 1851 LAKE DR W STE 350 CHANHASSEN, MN 553178567 | PRINCIPAL LIFE INSURANCE COMPANY | $30K | — | $30K | 5.00% |
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 | 2,586 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,594 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 3,542 | $607K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,957 | $608K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,957 | $608K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,542 | — |
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.