| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INS. SERVICES | PO BOX 28 DUBUQUE, IA 52004 | METROPOLITAN LIFE INSURANCE COMPANY | $141K | $33K | $174K | 9.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS. INC. | 55 EAST JACKSON BOULEVARD SUITE 14A CHICAGO, IL 60604 | RELIASTAR LIFE INSURANCE COMPANY | $58K | $7K | $65K | 24.76% |
| CHRISTA G AUFDEMBERG INC3 Filed as: CHRISTA G. AUFDEMBERG, INC. | 13102 BRITTANY WOODS DRIVE TUSTIN, CA 92780 | LEGALSHIELD | $588 | $0 | $588 | 7.05% |
| SANDRA SIMS3 Filed as: SANDRA ALLEN | 501 AGUA PLACE SEAL BEACH, CA 90740 | LEGALSHIELD | $255 | $0 | $255 | 3.06% |
| MARIA SCHWARTZ3 | 312 VIA PROMESA SAN CLEMENTE, CA 92673 | LEGALSHIELD | $153 | $0 | $153 | 1.83% |
| AMY EVANS3 | 14431 VENTURA BOULEVARD, SUITE 514 SHERMAN OAKS, CA 91423 | LEGALSHIELD | $60 | $0 | $60 | 0.72% |
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 | 3,720 | 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) | 3,720 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 1,249 | $4.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,979 | $238K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,720 | $1.8M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,720 | $1.8M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 1,249 | $4.9M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,720 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,720 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.