| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SERV | 2 ROBINSON PLAZA SUITE 200 PITTSBURGH, PA 15205 | WESTPORT INSURANCE CORPORATION | $65K | $16K | $81K | 15.12% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | WESTPORT INSURANCE CORPORATION | $40K | — | $40K | 7.57% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS INC | PO BOX 28 DUBUQUE, IA 520040028 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $9K | $27K | 6.07% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $37 | $6K | 1.29% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS INC | 800 MAIN STREET PO BOX 28 DUBUQUE, IA 52004 | FAIR AMERICAN INSURANCE AND REINSURANCE COMPANY | $1K | — | $1K | 1.11% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | VISION BENEFITS OF AMERICA | $500 | — | $500 | 1.51% |
| COTTINGHAM & BUTLER3 Filed as: CUTTINGHAM & BUTLER INS SVCS INC | 2 ROBINSON PLAZA SUITE 200 PITTSBURGH, PA 15205 | VISION BENEFITS OF AMERICA | $496 | — | $496 | 1.49% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS INC | PO BOX 28 DUBUQUE, IA 52004 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $757 | $4K | 13.45% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $37 | $2K | 5.26% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS INC | PO BOX 28 DUBUQUE, IA 52004 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $494 | $3K | 14.47% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | METROPOLITAN LIFE INSURANCE COMPANY | $927 | $37 | $964 | 5.23% |
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 | 596 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 598 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 837 | $447K |
| Vision | VISION BENEFITS OF AMERICA | 332 | $33K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 837 | $447K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 837 | $447K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 837 | $447K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | WESTPORT INSURANCE CORPORATION | 312 | $626K |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 837 | $498K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 837 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.