| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 | 800 MAIN ST DUBUQUE, IA 52001 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $33K | $36K | 3.97% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC(MOUNTAIN WEST | 8110 E UNION AVE STE 700 DENVER, CO 802372966 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 1.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA IN | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 0.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA, INC. | PO BOX 730054 DALLAS, TX 753730054 | KAISER FOUNDATION HEALTH PLAN INC | $28K | — | $28K | 4.13% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS INC | 800 MAIN ST DUBUQUE, IA 520016822 | KAISER FOUNDATION HEALTH PLAN INC | $6K | $5K | $10K | 1.53% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS | PO BOX 28 DUBUQUE, IA 52004 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 4.57% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 4.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | PO BOX 730054 DALLAS, TX 753730054 | HARTFORD LIFE AND ACCIDENT | $267 | — | $267 | 0.92% |
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 | 213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 313 | $1.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 313 | $910K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 313 | $910K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 84 | $29K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 84 | $29K |
| Other | HARTFORD LIFE AND ACCIDENT | 84 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.