| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CMC ADVISORY GROUP3 | 10 SOUTH RIVERSIDE PLAZA SUITE 2280 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $28K | $0 | $28K | 3.64% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | 800 MAIN STREET DUBUQUE, IA 52001 | STANDARD INSURANCE COMPANY | $16K | $0 | $16K | 2.07% |
| CMC ADVISORY GROUP3 | 10 SOUTH RIVERSIDE PLAZA SUITE 2280 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $13K | $0 | $13K | 3.13% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER, INC. | 800 MAIN STREET DUBUQUE, IA 52001 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 1.63% |
| DENISE CAVEN3 | 11 ORAN CIRCLE PEABODY, MA 01960 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 669 RIVER DR STE 305 CENTER II ELMWOOD PARK, NJ 07407 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SVCS NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | BLUE CROSS OF CALIFORNIA | $2K | $0 | $2K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $2K | $5K | 11.09% |
| NEW YORK RHB, LLC3 | 120 BROADWAY 37TH FLOOR NEW YORK, NY 10271 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $56 | $0 | $56 | 0.13% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | DENTAQUEST MID-ATLANTIC | $1K | $0 | $1K | 6.91% |
| GLOBAL UNDERWRITERS AGCY INC3 Filed as: GLOBAL UNDERWRITERS AGENCY, INC. | 3195 LINWOOD ROAD, SUITE 201 CINCINNATI, OH 45208 | NATIONAL UNION | $3K | $0 | $3K | 30.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $826 | $0 | $826 | 9.06% |
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 | 3,635 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 46 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 41 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,722 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 47 | $822K |
| Dental(6 contracts, 6 carriers) | DELTA DENTAL OF ILLINOIS | 1,876 | $1.6M |
| Vision | VISION SERVICE PLAN | 1,578 | $214K |
| Life insurance | STANDARD INSURANCE COMPANY | 2,146 | $407K |
| Long-term disability | STANDARD INSURANCE COMPANY | 2,805 | $779K |
| Other(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4,886 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,886 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.