| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 | PO BOX 28 DUBUQUE, IA 52004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | — | $25K | 8.01% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | 800 MAIN STREET DUBUQUE, IA 52001 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $4K | $13K | 13.74% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | — | $15K | 34.33% |
| WESLEY K JOHNSON II3 Filed as: WESLEY D MOORE | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| STEPHEN CORRIVEAU3 Filed as: STEPHEN (TOM) MCCAULEY | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| JOHN P KOWN II3 | 1275 SHILOH ROAD NW SUITE 2260 KENNESAW, GA 30144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| DAVID C CLOUD JR3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ALEXANDER B WARD3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| AMY A O SHIELDS3 Filed as: AMY A O'SHIELDS | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INC. | PO BOX 28 DUBUQUE, IA 520040028 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
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 | 274 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 344 | $96K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 344 | $96K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 337 | $308K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 337 | $308K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 337 | $308K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 617 | $367K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 617 | — |
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.