| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 | PO BOX 28 DUBUQUE, IA 52004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | — | $21K | 8.03% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | 800 MAIN STREET DUBUQUE, IA 52001 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $1K | $13K | 11.33% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | — | $13K | 18.80% |
| WESLEY K JOHNSON II3 Filed as: WESLEY D MOORE | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.03% |
| STEPHEN CORRIVEAU3 Filed as: STEPHEN (TOM) MCCAULEY | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.03% |
| JOHN P KOWN II3 | 1275 SHILOH ROAD NW SUITE 2260 KENNESAW, GA 30144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.02% |
| DAVID C CLOUD JR3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| ALEXANDER B WARD3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| AMY A O SHIELDS3 Filed as: AMY A O'SHIELDS | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
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 | 329 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 349 | $111K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 349 | $111K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 329 | $267K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 329 | $267K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 329 | $267K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 502 | $334K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 502 | — |
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.