| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | 800 MAIN STREET DUBUQUE, IA 52001 | METROPOLITAN LIFE INSURANCE COMPANY | $82K | $42K | $123K | 5.52% |
| KME INSURANCE BROKERAGE, INC.3 Filed as: KME INS BROKERAGE INC | 300 S WACKER DR STE 2000-A CHICAGO, IL 606066736 | METROPOLITAN LIFE INSURANCE COMPANY | $57K | — | $57K | 2.57% |
| GROUP ALTERNATIVES INC3 | 1400 OPUS PL STE 830 DOWNERS GROVE, IL 605155724 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | — | $29K | 1.30% |
| LUKAS J MOO3 | 650 E ALGONQUIN RD SCHAUMBURG, IL 601733846 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 0.36% |
| STEVEN D HENEY3 Filed as: STEVEN D HENRY | 300 S WACKER DR STE 2000-A C/O KME INSURANCE BROKERAGE CHICAGO, IL 606066736 | METROPOLITAN LIFE INSURANCE COMPANY | -$9K | — | -$9K | -0.42% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES | 800 MAIN ST DUBUQUE, IA 52001 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $19K | — | $19K | 3.28% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS INC | PO BOX 28 DUBUQUE, IA 52004 | METLIFE LEGAL PLANS | $6K | $853 | $7K | 10.94% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS | PO BOX 28 DUBUQUE, IA 52004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $373 | $3K | 9.69% |
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 | 3,040 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 101 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 425 | $4.9M |
| Dental(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 1,919 | $863K |
| Vision(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 1,737 | $908K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,834 | $2.3M |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,834 | $2.3M |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,834 | $2.3M |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 130 | $957K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,834 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,834 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.