| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SVCS. | PO BOX 28 DUBUQUE, IA 52004 | ANTHEM INSURANCE COMPANIES, INC. | $9K | $3K | $12K | 18.61% |
| BENJAMIN G STAHL3 | 2225 CENTRAL AVE STE 5 COLUMBUS, IN 47201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 6.22% |
| VOLUNTARY BENEFIT PLANS LLC3 | 5101 DUNEWOOD WAY AVON, IN 46123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.38% |
| ROGLE INC3 | 7460 LANTERN ROAD INDIANAPOLIS, IN 46256 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $348 | $78 | $426 | 0.88% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W BLUE BELL, PA 19422 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $382 | — | $382 | 0.79% |
| KAMI L STANLEY3 | 3303 S 79TH ST LINCOLN, NE 68506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $306 | $67 | $373 | 0.77% |
| GARY A INERSON3 | 516 N MARBLE WAY FORTVILLE, IN 46040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.05% |
| GARY D DAVIS3 | 1 ARCTURUS DR SEWELL, NJ 08080 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.02% |
| ELITE ADMINISTRATION3 | 313 HARKINS BLUFF DR GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE | 800 MAIN STREET DUBUQUE, IA 52001 | ANTHEM LIFE INSURANCE COMPANY (G1400) | $28K | — | $28K | 100.00% |
| COTTINGHAM & BUTLER3 | PO BOX 28 DUBUQUE, IA 52004 | QBE INSURANCE | $2K | — | $2K | 8.33% |
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 | 196 | 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) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 158 | $64K |
| Dental | ANTHEM INSURANCE COMPANIES, INC. | 158 | $64K |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 158 | $64K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY (G1400) | 224 | $28K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 3 | $48K |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY (G1400) | 224 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.