| 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 | $21K | $4K | $25K | 12.03% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES IN | PO BOX 28 DUBUQUE, IA 520040028 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $294 | $3K | 23.08% |
| SUSAN G. MARGILOFF4 | APT 2D 5025 HILLSBORO PIKE NASHVILLE, TN 37215 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $588 | — | $588 | 5.51% |
| CANDIDA ALVES4 | 730 RIVER AVE PROVIDENCE, RI 02908 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $459 | — | $459 | 4.31% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES IN | PO BOX 28 DUBUQUE, IA 520040028 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $166 | $2K | 18.39% |
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 | 203 | 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) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 74 | $21K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 275 | $208K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 275 | $208K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 275 | $208K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 275 | $208K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 275 | $208K |
| Other(5 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 275 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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.