| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SERV. | 800 MAIN ST. DUBUQUE, IA 52001 | BLUECROSS BLUESHIELD NEBRASKA | $76K | $7K | $83K | 2.99% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS | INC 800 MAIN ST DUBUQUE, IA 52001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $10K | $23K | 8.73% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS LLC | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 2.52% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS LLC | DBA SALT MARGIN 20 S KING ST LEESBURG, VA 20175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 1.42% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES IN | PO BOX 28 DUBUQUE, IA 520040028 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $963 | $12K | 25.88% |
| INSURANCE MARKETPLACE LLC3 | 11350 RANDOM HILLS RD STE 863 FAIRFAX, VA 220307428 | METROPOLITAN LIFE INSURANCE COMPANY | $912 | — | $912 | 1.98% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON AND THOMAS INC | DBA THE CAPITAL GROUP 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 208171885 | METROPOLITAN LIFE INSURANCE COMPANY | $6 | — | $6 | 0.01% |
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 | 654 | 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) | 654 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD NEBRASKA | 315 | $2.8M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 305 | $268K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 305 | $268K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 305 | $268K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 305 | $268K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 305 | $268K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 315 | $314K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.