| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER Filed as: COTTINGHAM & BUTLER INS. SRVCS. | PO BOX 28 DUBUQUE, IA 52004 | SUN LIFE ASSURANCE COMPANY OF CANADA | $84K | — | $84K | 8.39% |
| KPM INSURANCE LLC | 8217 VOLTAIR CT WAYNESVILLE, OH 45068 | SUN LIFE ASSURANCE COMPANY OF CANADA | $42K | — | $42K | 4.13% |
| COTTINGHAM & BUTLER Filed as: COTTINGHAM & BUTLER INS SRVCS | 800 MAIN ST DUBUQUE, IA 52001 | AMERITAS LIFE INSURANCE CORP. | $33K | $7K | $40K | 9.11% |
| KPM INSURANCE LLC | 8217 VOLTAIRE CT WAYNESVILLE, OH 450688242 | AMERITAS LIFE INSURANCE CORP. | $22K | — | $22K | 5.00% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO | 99 WOOD AVE S ISELIN, NJ 08830 | COLONIAL LIFE & ACCIDENT INS COMP | $30 | — | $30 | 7.04% |
| HOWARD B MESZAROS | 8680 COLVIN DR PLAIN CITY, OH 43064 | COLONIAL LIFE & ACCIDENT INS COMP | $2 | — | $2 | 0.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | P.O. BOX 1087 WAUSAU, WI 54402 | $220K |
| KPM INSURANCE LLC EIN 27-1251252 BROKER | Other commissions Service code 55 | 76 MARCO LN CENTERVILLE, OH 45458 | $61K |
| COTTINGHAM & BUTLER INS SRVCS INC. EIN 42-0198040 BROKER | Other commissions Service code 55 | 800 MAIN ST DUBUQUE, IA 52001 | $36K |
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 | 3,407 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,407 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,407 | $1.0M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 2,351 | $440K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 2,351 | $440K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,407 | $1.0M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,407 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,407 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.