| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 | 800 MAIN STREET DUBUQUE, IA 52001 | BLUE CROSS BLUE SHIELD | $43K | — | $43K | 8.42% |
| COTTINGHAM & BUTLER3 | 800 MAIN STREET DUBUQUE, IA 52001 | STARMOUNT LIFE INS CO | $7K | $1K | $9K | 11.90% |
| COTTINGHAM & BUTLER3 | 800 MAIN STREET DUBUQUE, IA 52001 | UNUM INSURANCE COMPANY | $5K | $1K | $6K | 9.05% |
| MIKE AXTELL3 | 3562 6TH PL NW ROCHESTER, MN 55901 | COLONIAL LIFE & ACCIDENT | $7K | — | $7K | 11.89% |
| MARC A GROVE3 Filed as: MARC GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT | $387 | $266 | $653 | 1.16% |
| CARRIE S FLATEN3 Filed as: CARRIE FLATEN | 2606 86TH CT W NORTHFIELD, MN 55057 | COLONIAL LIFE & ACCIDENT | $420 | $93 | $513 | 0.91% |
| ROBERT SCOTT BRUNER3 Filed as: ROBERT BRNER | 24620 E CEDARLAKE RD NEW PRAGUE, MN 56071 | COLONIAL LIFE & ACCIDENT | $283 | $164 | $447 | 0.80% |
| LACIE M SWARTZENDRUBER3 Filed as: LACIE SWARTZENDRUBER | 4119 SHERIDAN AVE N MINNEAPOLIS, MN 55412 | COLONIAL LIFE & ACCIDENT | $230 | — | $230 | 0.41% |
| JON SCOTT SWARTZENDRUBER3 Filed as: JON SWARTZENDRUBER | 600 HWY 169 S MINNEAPOLIS, MN 55426 | COLONIAL LIFE & ACCIDENT | $174 | — | $174 | 0.31% |
| TERI L SWARTZENDRUBER3 Filed as: TERI SWARTZENDRUBER | 4130 GIRARD AVE N MINNEAPOLIS, MN 55412 | COLONIAL LIFE & ACCIDENT | $151 | — | $151 | 0.27% |
| JOSE JOHN LOPEZ3 Filed as: JOSE LOPEZ | 5908 303RD ST WAY CANNON FALLS, MN 55009 | COLONIAL LIFE & ACCIDENT | $136 | — | $136 | 0.24% |
| MEGHAN MOFFATT LUCAS3 Filed as: MEGHAN LUCAS | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE & ACCIDENT | $67 | $26 | $93 | 0.17% |
| ELIZABETH MARIE LANGEVIN3 Filed as: ELIZABETH LANGEVIN | 698 WEST LARPENTER ST PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT | $59 | $16 | $75 | 0.13% |
| PEGGY SUE LAZER3 Filed as: PEGGY LAZER | 30585 OLSEN ST PEQUOT LAKES, MN 56472 | COLONIAL LIFE & ACCIDENT | $46 | — | $46 | 0.08% |
| JILL R LAMBERT3 Filed as: JILL LAMBERT | 12741 JEFFERSON ST NE BLAINE, MN 55434 | COLONIAL LIFE & ACCIDENT | $32 | $12 | $44 | 0.08% |
| COTTINGHAM & BUTLER3 | 800 MAIN DUBUQUE, IA 52001 | UNUM INSURANCE COMPANY | $5K | $711 | $6K | 17.16% |
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 | 169 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 280 | $509K |
| Dental | STARMOUNT LIFE INS CO | 160 | $74K |
| Life insurance(3 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 170 | $163K |
| Short-term disability(2 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 170 | $128K |
| Long-term disability | COLONIAL LIFE & ACCIDENT | 53 | $56K |
| Other(3 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 170 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.