| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE | SERVICES LLC PO BOX 28 DUBUQUE, IA 520040028 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $10K | $10K | 0.62% |
| PLAN BENEFIT SERVICES INC3 Filed as: PLAN SOURCE | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 0.41% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE | SERVICES LLC PO BOX 28 DUBUQUE, IA 520040028 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 0.49% |
| PLAN BENEFIT SERVICES INC3 Filed as: PLAN SOURCE | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.17% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE | SERVICES LLC PO BOX 28 DUBUQUE, IA 520040028 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 0.63% |
| PLAN BENEFIT SERVICES INC3 Filed as: PLAN SOURCE | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 0.42% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES L C | PO BOX 1863 CEDAR RAPIDS, IA 524061863 | METROPOLITAN LIFE INSURANCE COMPANY | $86K | — | $86K | 18.88% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE | SERVICES LLC PO BOX 28 DUBUQUE, IA 520040028 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $12K | $12K | 2.60% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | INC 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.45% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE | SERVICES LLC PO BOX 28 DUBUQUE, IA 520040028 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.69% |
| PLAN BENEFIT SERVICES INC3 Filed as: PLAN SOURCE | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.40% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES L C | PO BOX 1863 CEDAR RAPIDS, IA 524061863 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | — | $28K | 9.74% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE | SERVICES LLC PO BOX 28 DUBUQUE, IA 520040028 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.75% |
| PLAN BENEFIT SERVICES INC3 Filed as: PLAN SOURCE | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.50% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES L C | PO BOX 1863 CEDAR RAPIDS, IA 524061863 | METROPOLITAN LIFE INSURANCE COMPANY | $43K | — | $43K | 18.87% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE | SERVICES LLC PO BOX 28 DUBUQUE, IA 520040028 | METROPOLITAN LIFE INSURANCE COMPANY | $66 | $6K | $6K | 2.60% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | INC 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.44% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES L C | PO BOX 1863 CEDAR RAPIDS, IA 524061863 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $277 | $30K | 19.94% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE | SERVICES LLC PO BOX 28 DUBUQUE, IA 520040028 | METROPOLITAN LIFE INSURANCE COMPANY | -$1 | $1K | $1K | 0.95% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | INC 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $598 | — | $598 | 0.40% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES LLC | PO BOX 1863 CEDAR RAPIDS, IA 52406 | METLIFE LEGAL PLANS | $14K | $4 | $14K | 11.74% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES | INC PO BOX 28 DUBUQUE, IA 52004 | METLIFE LEGAL PLANS | $0 | $3K | $3K | 2.40% |
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 | 5,071 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,086 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,814 | $832K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,936 | $1.6M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 3,573 | $284K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 9,000 | $1.2M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,505 | $932K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,505 | $932K |
| Other(6 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,000 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,000 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.