| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JUSTIN C CARSON3 Filed as: JUSTIN SCOTT | 3232 MCKINNEY AVE, STE 500 DALLAS, TX 75204 | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | $30K | — | $30K | 2.35% |
| COTTINGHAM & BUTLER3 | 800 MAIN ST. DUBUQUE, IA 52001 | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | $15K | — | $15K | 1.17% |
| JUSTIN B SCOTT3 | 3232 MCKINNEY AVE, STE 500 DALLAS, TX 75204 | STARMOUNT LIFE INSURANCE COMPANY | $2K | — | $2K | 3.04% |
| COTTINGHAM & BUTLER3 | 800 MAIN ST. DUBUQUE, IA 52001 | STARMOUNT LIFE INSURANCE COMPANY | $710 | $379 | $1K | 1.57% |
| JUSTIN B SCOTT3 | 3232 MCKINNEY AVE, STE 500 DALLAS, TX 75204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 9.11% |
| COTTINGHAM & BUTLER3 | 800 MAIN ST. DUBUQUE, IA 52001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $251 | $2K | 3.86% |
| ENDEAVOR RISK ADVISORS3 | 3232 MCKINNEY AVE, STE 500 DALLAS, TX 752047439 | VISION SERVICE PLAN | $1K | — | $1K | 7.44% |
| COTTINGHAM & BUTLER3 | PO BOX 28 DUBUQUE, IA 520040028 | VISION SERVICE PLAN | $246 | — | $246 | 1.72% |
| JUSTIN B SCOTT3 | 3232 MCKINNEY AVE, STE 500 DALLAS, TX 75204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 12.67% |
| COTTINGHAM & BUTLER3 | 800 MAIN ST. DUBUQUE, IA 52001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $393 | $52 | $445 | 3.76% |
| COTTINGHAM & BUTLER3 | 800 MAIN ST. DUBUQUE, IA 52001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $170 | $2K | 56.80% |
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 | 108 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | 249 | $1.3M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 88 | $69K |
| Vision | VISION SERVICE PLAN | 83 | $14K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 105 | $45K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 105 | $45K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 105 | $45K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 105 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.