| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUTLER INSURANCE SERVICES3 | PO BOX 449 DUBUQUE, IA 520040449 | THE LINCOLN LIFE INSURANCE COMPANY | $12K | — | $12K | 11.47% |
| BENEFIT STAFF LLC3 | 2550 MIDDLE ROAD STE 205 BETTENDORF, IA 52722 | THE LINCOLN LIFE INSURANCE COMPANY | $4K | — | $4K | 3.53% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS | PO BOX 28 DUBUQUE, IA 52004 | THE LINCOLN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.24% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS | PO BOX 28 DUBUQUE, IA 52801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $5K | 4.97% |
| BENEFIT STAFF LLC3 | 2550 MIDDLE ROAD STE 205 BETTENDORF, IA 52722 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.25% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTTER INS SVCS | PO BOX 28 DUBUQUE, IA 52004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $989 | $4K | 4.48% |
| BENEFIT STAFF LLC3 | 2550 MIDDLE ROAD STE 205 BETTENDORF, IA 52722 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $781 | — | $781 | 0.97% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS | PO BOX 28 DUBUQUE, IA 52004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $615 | $3K | 5.49% |
| BENEFIT STAFF LLC3 | 2550 MIDDLE ROAD STE 205 BETTENDORF, IA 52722 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $807 | — | $807 | 1.68% |
| BRAD BIEL3 Filed as: BRAD JOHNSON | 2550 MIDDLE RD STE 205 BETTENDORF, IA 527223287 | VISION SERVICE PLAN | $616 | — | $616 | 6.12% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER, INC | PO BOX 28 DUBUQUE, IA 520040028 | VISION SERVICE PLAN | $391 | — | $391 | 3.88% |
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 | 298 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 21 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 326 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 195 | $10K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 404 | $48K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 128 | $81K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 274 | $101K |
| Other(2 contracts, 2 carriers) | THE LINCOLN LIFE INSURANCE COMPANY | 404 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 404 | — |
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.