| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS. SERVICES | PO BOX 28 DUBUQUE, IA 520040028 | METROPOLITAN LIFE INSURANCE COMPANY | $95K | $43K | $137K | 6.12% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS. SERVICES | 800 MAIN ST. DUBUQUE, IA 52001 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $19K | — | $19K | 3.26% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS. SERVICES | PO BOX 28 DUBUQUE, IA 520040028 | AETNA LIFE INSURANCE COMPANY | $624 | — | $624 | 0.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNE FINANCIAL GROUP INC. | 960 S. BROADWAY AVE. BOISE, ID 83706 | AETNA LIFE INSURANCE COMPANY | $375 | — | $375 | 0.12% |
| KME INSURANCE BROKERAGE, INC.3 Filed as: KME INS. BROKERAGE INC. | 300 S. WACKER DR., STE 2000-A CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | — | $22K | 19.39% |
| GROUP ALTERNATIVES INC3 Filed as: GROUP ALTERNATIVES INC. | 1400 OPUS PL STE. 830 DOWNERS GROVE, IA 60615 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | — | $17K | 14.77% |
| LUKAS J MOO3 | 650 E. ALGONQUIN RD. SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 4.31% |
| KME INSURANCE BROKERAGE, INC.3 Filed as: KME INSURANCE BROKERAGE | 300 S. WACKER DR., STE. 2000-A CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | $21 | — | $21 | 0.02% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS. SERVICES | PO BOX 28 DUBUQUE, IA 52004 | METLIFE LEGAL PLANS | $7K | $1K | $9K | 12.45% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS. SERVICES | 800 MAIN ST. DUBUQUE, IA 52001 | DELTA DENTAL OF VIRGINIA | $3K | — | $3K | 7.01% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS. SERVICES | 800 MAIN ST. DUBUQUE, IA 52001 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $2K | $5K | 17.82% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS. SERVICES | PO BOX 28 DUBUQUE, IA 520040028 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | — | $1K | 11.26% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS. SERVICES | PO BOX 28 DUBUQUE, IA 520040028 | METROPOLITAN LIFE INSURANCE COMPANY | $265 | $964 | $1K | — |
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 | 3,328 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,351 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 379 | $3.9M |
| Dental(6 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 2,011 | $962K |
| Vision(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 1,930 | $963K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 6,174 | $2.2M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 6,174 | $2.3M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6,174 | $2.2M |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 63 | $303K |
| Other(5 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,174 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,174 | — |
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.