| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES IN | PO BOX 28 DUBUQUE, IA 520040028 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $3K | $13K | 9.48% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $2K | $8K | 5.60% |
| COTTINGHAM & BUTLER3 | P. O. BOX 28 DUBUQUE, IA 52004 | DELTA DENTAL OF IOWA | $10K | $1K | $11K | 11.17% |
| COTTINGHAM & BUTLER3 | P. O. BOX 28 DUBUQUE, IA 52004 | VERATRUS BENEFIT SOLUTIONS | $851 | $1K | $2K | 24.26% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SERVI | PO BOX 28 DUBUQUE, IA 520040028 | METROPOLITAN LIFE INSURANCE COMPANY | $401 | $70 | $471 | 20.45% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SERVI | PO BOX 28 DUBUQUE, IA 520040028 | METROPOLITAN LIFE INSURANCE COMPANY | $324 | $59 | $383 | 19.92% |
| NORTH RISK PARTNERS LLC4 | 1055 LONGFELLOW DRIVE HIAWATHA, IA 522331332 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $154 | — | $154 | 10.21% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SERVI | PO BOX 28 DUBUQUE, IA 520040028 | METROPOLITAN LIFE INSURANCE COMPANY | $90 | $36 | $126 | 24.23% |
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 | 99 | 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) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | WELLMARK HEALTH PLAN OF IOWA | 75 | $874K |
| Dental | DELTA DENTAL OF IOWA | 79 | $101K |
| Vision | VERATRUS BENEFIT SOLUTIONS | 80 | $9K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 287 | $136K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 287 | $136K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 287 | $136K |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 287 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.