| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 | PO BOX 28 DUBUQUE, IA 52004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $56K | — | $56K | 11.31% |
| SELECT NETWORKS3 | 317 6TH AVENUE DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $7K | — | $7K | 10.99% |
| COTTINGHAM & BUTLER3 | 800 MAIN ST DUBUQUE, IA 52001 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $7K | — | $7K | 9.99% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | 800 MAIN ST DUBUQUE, IA 52001 | UNUM LIFE INSURANCE OF AMERICA | $2K | $1 | $2K | 3.49% |
| PAPE ALAN3 Filed as: PAPE, RHONDA, S | 115 E PLATT ST MAQUOKETA, IA 52060 | UNUM LIFE INSURANCE OF AMERICA | $913 | — | $913 | 1.70% |
| PAPE DANE3 Filed as: PAPE, DANE, A | 115 PLATT ST MAQUOKETA, IA 52060 | UNUM LIFE INSURANCE OF AMERICA | $472 | — | $472 | 0.88% |
| PAPE ALAN3 Filed as: PAPE, COLE, M | 115 E PLATT ST MAQUOKETA, IA 52060 | UNUM LIFE INSURANCE OF AMERICA | $435 | — | $435 | 0.81% |
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 | 701 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 701 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 790 | $67K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 899 | $492K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 899 | $492K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 899 | $492K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 899 | $546K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 899 | — |
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.