| 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 | $96K | — | $96K | 11.66% |
| KPM INSURANCE LLC | 8217 VOLTAIRE CT WAYNESVILLE, OH 45068 | SUN LIFE ASSURANCE COMPANY OF CANADA | $48K | — | $48K | 5.74% |
| COTTINGHAM & BUTLER Filed as: COTTINGHAM & BUTLER INS SRVCS | 800 MAIN ST DUBUQUE, IA 52001 | AMERITAS LIFE INSURANCE CORP. | $35K | $13K | $48K | 10.36% |
| KPM INSURANCE LLC | 8217 VOLTAIRE CT WAYNESVILLE, OH 450688242 | AMERITAS LIFE INSURANCE CORP. | $23K | — | $23K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KPM INSURANCE LLC EIN 27-1251252 BROKER | Other commissions Service code 55 | 76 MARCO LN CENTERVILLE, OH 45458 | $56K |
| COTTINGHAM & BUTLER INS SRVCS INC. EIN 42-0198040 BROKER | Other commissions Service code 55 | 800 MAIN ST DUBUQUE, IA 52001 | $33K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 1087 WAUSAU, WI 54402 | $434 |
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 | 2,183 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,183 | $827K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 1,977 | $466K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 1,977 | $466K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,183 | $827K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,183 | $827K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,183 | — |
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.