| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS | PO BOX 28 DUBUQUE, IA 52801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.06% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: TWO RIVERS INS SVCS | 215 N. MAIN ST, STE 700 DAVENPORT, IA 52801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL IOWA LLC | 15162 COLLECTIONS CTR DR CHICAGO, IL 606930001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $798 | — | $798 | 2.23% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTTER INS SVCS | PO BOX 28 DUBUQUE, IA 52004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $711 | — | $711 | 4.79% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: TWO RIVERS INS SVCS | 215 N. MAIN ST, STE 700 DAVENPORT, IA 52801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $356 | — | $356 | 2.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL IOWA LLC | 15162 COLLECTIONS CTR DR CHICAGO, IL 606930001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $341 | — | $341 | 2.30% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS | PO BOX 28 DUBUQUE, IA 52004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $687 | — | $687 | 6.74% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: TWO RIVERS INS SVCS | 215 N. MAIN ST, STE 700 DAVENPORT, IA 52801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $247 | — | $247 | 2.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL IOWA LLC | 15162 COLLECTIONS CTR DR CHICAGO, IL 606930001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $213 | — | $213 | 2.09% |
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 | 353 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 467 | $10K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 119 | $15K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 338 | $36K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 467 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 467 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.