| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INS. SERVICES | 800 MARKET STREET DUBUQUE, IA 52001 | PRINCIPAL LIFE INSURANCE COMPANY | $21K | $0 | $21K | 6.50% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 3.41% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | PO BOX 28 DUBUQUE, IA 52004 | VISION SERVICE PLAN | $4K | $0 | $4K | 6.57% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.40% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INS. SERVICES | PO BOX 28 DUBUQUE, IA 52004 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $1K | $6K | 12.64% |
| USI INSURANCE SERVICES LLC3 | 9394 WEST DODGE ROAD, SUITE 250 OMAHA, NE 68114 | METROPOLITAN LIFE INSURANCE COMPANY | $949 | $243 | $1K | 2.40% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $47 | $47 | 0.09% |
| USI INSURANCE SERVICES LLC4 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $712 | $0 | $712 | 8.84% |
| COTTINGHAM & BUTLER4 Filed as: COTTINGHAM AND BUTLER INS. SERVICES | 800 MAIN STREET DUBUQUE, IA 52001 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $657 | $0 | $657 | 8.16% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INS. SERVICES | PO BOX 28 DUBUQUE, IA 52004 | ZURICH AMERICAN INSURANCE COMPANY | $837 | $0 | $837 | 15.00% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INS. SERVICES | PO BOX 28 DUBUQUE, IA 52004 | ZURICH AMERICAN INSURANCE COMPANY | $774 | $0 | $774 | 15.01% |
| USI INSURANCE SERVICES LLC3 | 9394 WEST DODGE ROAD, SUITE 250 OMAHA, NE 68114 | ZURICH AMERICAN INSURANCE COMPANY | $433 | $0 | $433 | 15.01% |
| USI INSURANCE SERVICES LLC3 | 9394 WEST DODGE ROAD, SUITE 250 OMAHA, NE 68114 | ZURICH AMERICAN INSURANCE COMPANY | $405 | $0 | $405 | 15.00% |
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 | 296 | 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) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 655 | $330K |
| Vision | VISION SERVICE PLAN | 258 | $66K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 655 | $330K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 655 | $330K |
| Other(8 contracts, 5 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 655 | $411K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 655 | — |
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.