| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE VOGT GROUP3 Filed as: THE VOGT GROUP, INC. | 1750 CREEK WOOD DRIVE DUBUQUE, IA 52003 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18K | $858 | $19K | 13.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $8K | $9K | 6.35% |
| GROUP SOLUTIONS LLC3 | 16703 RIVER ROAD NORTH BRANCH, MN 55056 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 5.19% |
| HOME OFFICE TPA PAYS COMMISSION3 | — | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 2.25% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $490 | $490 | 0.34% |
| THE VOGT GROUP3 Filed as: VOGT GROUP INC | 1750 CREEK WOOD DR DUBUQUE, IA 520037603 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $64 | $12K | 9.14% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $2K | $8K | 6.48% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 4.78% |
| MARK METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $208 | $5K | 3.83% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INC. | PO BOX 28 DUBUQUE, IA 52004 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
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 | 148 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 236 | $130K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 236 | $130K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 303 | $145K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 303 | $145K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 303 | $145K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 303 | $145K |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 303 | $295K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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.