| 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 | $37K | $54K | $91K | 3.96% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 600731298 | METROPOLITAN LIFE INSURANCE COMPANY | $68K | $95 | $68K | 2.97% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 600731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9K | $9K | 0.41% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 600731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.14% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS. SERVICES | 800 MAIN ST. DUBUQUE, IA 52001 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $12K | — | $12K | 2.15% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC CHICAGO | 200 EAST RANDOLPH STREET CHICAGO, IL 60601 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $7K | — | $7K | 1.33% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS. SERVICES | 800 MAIN ST. DUBUQUE, IA 52001 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 0.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNE FINANCIAL GROUP INC. | 960 S. BROADWAY AVE. BOISE, ID 83706 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 0.45% |
| KME INSURANCE BROKERAGE, INC.3 Filed as: KME INS. BROKERAGE INC. | 125 S. WACKER DR., STE. 300 CHICAGO, IL 606064421 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | — | $22K | 19.13% |
| GROUP ALTERNATIVES INC3 Filed as: GROUP ALTERNATIVES INC. | 4350 WEAVER PKWY. WARRENVILLE, IL 605553925 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | — | $19K | 16.20% |
| LUKAS J MOO3 | 650 E. ALGONQUIN RD. SCHAUMBURG, IL 601733846 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 4.59% |
| STEVEN D HENEY3 | 300 S. WACKER DR., STE. 2000-A CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | $23 | — | $23 | 0.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS | $7K | — | $7K | 10.43% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS. SERVICES | 800 MAIN ST. PO BOX 28 DUBUQUE, IA 52004 | METLIFE LEGAL PLANS | — | $2K | $2K | 2.47% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER.COM INC. | 1025 ASHWORTH ROAD WEST DES MOINES, IA 50265 | METLIFE LEGAL PLANS | — | $1K | $1K | 1.71% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS. SERVICES | PO BOX 28 DUBUQUE, IA 52004 | METLIFE LEGAL PLANS | $663 | — | $663 | 0.97% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 200 EAST RANDOLPH STREET SUITE 900 CHICAGO, IL 606016420 | METLIFE LEGAL PLANS | — | $34 | $34 | 0.05% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $95 | $1K | 3.31% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 600731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $174 | $174 | 0.40% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 600731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $62 | $62 | 0.14% |
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 | 3,628 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,650 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 303 | $3.8M |
| Dental(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 2,299 | $813K |
| Vision(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 2,030 | $921K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 6,256 | $2.3M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 6,256 | $2.3M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6,256 | $2.3M |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,256 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,256 | — |
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.