| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JACQUELINE R JAEGER3 | 788 MAIN ST STE 250 DUBUQUE, IA 52001 | NORTHWESTERN MUTUAL | $13K | $9K | $22K | 8.27% |
| G SCOTT COOKE3 Filed as: T SCOTT ZACH | 401 1ST ST STE 401 CEDAR RAPIDS, IA 52401 | NORTHWESTERN MUTUAL | $2K | $137 | $2K | 0.63% |
| MATHEW J SCHULTE3 | 115 E MAIN ST MANCHESTER, IA 52057 | NORTHWESTERN MUTUAL | $537 | $682 | $1K | 0.45% |
| PATRICK STEELE3 | 2ND FLOOR #275 4020 WESTCHASE BLVD RALEIGH, NC 27607 | NORTHWESTERN MUTUAL | $392 | $158 | $550 | 0.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE N JUSTICE | 401 1ST ST SE STE 401 CEDAR RAPIDS, IA 52401 | NORTHWESTERN MUTUAL | $254 | $59 | $313 | 0.12% |
| MICHAEL D STEELE3 | 788 MAIN ST DUBUQUE, IA 52001 | NORTHWESTERN MUTUAL | $161 | $37 | $198 | 0.07% |
| CAROLINA CONDREY GROUP3 | 2ND FLOOR #275 4020 WESTCHASE BLVD RALEIGH, NC 27607 | NORTHWESTERN MUTUAL | $19 | $2 | $21 | 0.01% |
| COTTINGHAM & BUTLER3 | 800 MAIN ST DUBUQUE, IA 52001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $8K | $25K | 15.08% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC | 175 SOUTH THIRD ST COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.50% |
| COTTINGHAM & BUTLER3 | 800 MAIN ST DUBUQUE, IA 52004 | UNIFIED LIFE INSURANCE COMPANY | $600 | — | $600 | 0.82% |
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 | 517 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 523 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL ASSOCIATES HEALTH PLANS | 462 | $2.2M |
| Life insurance(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 522 | $431K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 522 | $163K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 522 | $236K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 522 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.