| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS | PO BOX 28 DUBUQUE, IA 52004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $188 | $4K | 4.41% |
| 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 | $594 | — | $594 | 0.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL IOWA LLC | 15162 COLLECTIONS CTR DR CHICAGO, IL 606930001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $399 | — | $399 | 0.43% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS | PO BOX 28 DUBUQUE, IA 52004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $158 | $2K | 5.84% |
| 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 | $178 | — | $178 | 0.43% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL IOWA LLC | 15162 COLLECTIONS CTR DR CHICAGO, IL 606930001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $170 | — | $170 | 0.41% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS | PO BOX 28 DUBUQUE, IA 52004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $51 | $2K | 6.50% |
| 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 | $123 | — | $123 | 0.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL IOWA LLC | 15162 COLLECTIONS CTR DR CHICAGO, IL 606930001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $106 | — | $106 | 0.30% |
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 | 320 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 17 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 438 | $35K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 122 | $42K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 323 | $93K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 438 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 438 | — |
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.