| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP | 210 6TH STREET PITTSBURGH, PA 15222 | SIDECAR HEALTH INSURANCE COMPANY | $27K | — | $27K | 3.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $1K | $18K | 11.32% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INS SERVICES | 800 MAIN STREET DUBUQUE, IA 52001 | METROPOLITAN LIFE INSURANCE COMPANY | $122 | $2K | $2K | 1.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $117 | $5K | 19.19% |
| COTTINGHAM & BUTLER3 | PO BOX 28 DUBUQUE ST, IA 52004 | METROPOLITAN LIFE INSURANCE COMPANY | -$61 | $212 | $151 | 0.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $33 | $1K | 19.61% |
| COTTINGHAM & BUTLER3 | PO BOX 28 STE 1500 DUBUQUE STREET, IA 52004 | METROPOLITAN LIFE INSURANCE COMPANY | -$54 | $57 | $3 | 0.05% |
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 | 159 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | SIDECAR HEALTH INSURANCE COMPANY | 93 | $886K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 159 | $159K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 159 | $159K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 159 | $159K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 159 | $159K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 159 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.