| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 | 800 MAIN STREET DUBUQUE, IA 52001 | BLUE CROSS BLUE SHIELD | $43K | $871 | $44K | 8.16% |
| COTTINGHAM & BUTLER3 | 800 MAIN DUBUQUE, IA 52001 | UNUM INSURANCE COMPANY | $6K | $2K | $8K | 8.96% |
| COTTINGHAM & BUTLER3 | 800 MAIN STREET DUBUQUE, IA 52001 | STARMOUNT LIFE INS CO | $8K | $2K | $10K | 12.96% |
| MIKE AXTELL3 | 35626TH PL NW ROCHESTER, MN 55901 | COLONIAL LIFE & ACCIDENT | $5K | — | $5K | 9.26% |
| ROBERT SCOTT BRUNER3 Filed as: ROBERT BRUNER | 24620 E CEDARLAKE RD NEW PRAGUE, MN 56071 | COLONIAL LIFE & ACCIDENT | $244 | $254 | $498 | 0.85% |
| MARC A GROVE3 Filed as: MARC GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT | $284 | $196 | $480 | 0.82% |
| CARRIE S FLATEN3 Filed as: CARRIE FLATEN | 2606 86TH CT W NORTHFIELD, MN 55057 | COLONIAL LIFE & ACCIDENT | $396 | $48 | $444 | 0.76% |
| LACIE M SWARTZENDRUBER3 Filed as: LACIE SWARTZENDRUBER | 2211 151ST AVE NW ANDOVER, MN 55304 | COLONIAL LIFE & ACCIDENT | $196 | — | $196 | 0.34% |
| JON SCOTT SWARTZENDRUBER3 Filed as: JON SWARTZENDRUBER | 1805 5TH AVE ANOKA, MN 55303 | COLONIAL LIFE & ACCIDENT | $146 | — | $146 | 0.25% |
| TERI L SWARTZENDRUBER3 Filed as: TERI SWARTZENDRUBER | 1805 5TH AVE ANOKA, MN 55303 | COLONIAL LIFE & ACCIDENT | $133 | — | $133 | 0.23% |
| JOSE JOHN LOPEZ3 Filed as: JOSE LOPEZ | 5908 303RD ST WAY CANNON FALLS, MN 55009 | COLONIAL LIFE & ACCIDENT | $122 | — | $122 | 0.21% |
| MEGHAN MOFFATT LUCAS3 Filed as: MEGHAN LUCAS | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE & ACCIDENT | $26 | — | $26 | 0.04% |
| ELIZABETH MARIE LANGEVIN3 Filed as: ELIZABETH LANGEVIN | 698 WEST LARPENTER ST PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT | $24 | — | $24 | 0.04% |
| JILL R LAMBERT3 Filed as: JILL LAMBERT | 12741 JEFFERSON ST BLAINE, MN 55434 | COLONIAL LIFE & ACCIDENT | $9 | — | $9 | 0.02% |
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 | 173 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 142 | $541K |
| Dental | STARMOUNT LIFE INS CO | 173 | $77K |
| Life insurance(2 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 169 | $146K |
| Short-term disability | COLONIAL LIFE & ACCIDENT | 50 | $58K |
| Long-term disability | COLONIAL LIFE & ACCIDENT | 50 | $58K |
| Other(2 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 169 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.