| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INC. | 800 MAIN STREET DUBUQUE, IA 52001 | STANDARD INSURANCE COMPANY | $115K | $0 | $115K | 6.02% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER, INC. | 800 MAIN STREET DUBUQUE, IA 52001 | STANDARD INSURANCE COMPANY | $46K | $0 | $46K | 4.55% |
| DENISE CAVEN3 | 11 ORAN CIRCLE PEABODY, MA 01960 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 669 RIVER DRIVE CTR II STE 305 ELMWOOD PARK, NJ 07407 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $2K | $5K | 15.30% |
| NEW YORK RHB, LLC3 | 120 BROADWAY 37 FLOOR NEW YORK, NY 10271 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $46 | $0 | $46 | 0.15% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | DOMINION NATIONAL | $1K | $0 | $1K | 6.42% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC (NY) | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $247 | $0 | $247 | 2.18% |
| GLOBAL UNDERWRITERS AGCY INC3 Filed as: GLOBAL UNDERWRITERS AGENCY INC. | 3195 LINWOOD ROAD SUITE 201 CINCINNATI, OH 45208 | ACE AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 60.15% |
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 | 4,694 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 104 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 87 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,885 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(6 contracts, 6 carriers) | DELTA DENTAL OF ILLINOIS | 2,481 | $1.9M |
| Vision | VISION SERVICE PLAN | 2,210 | $297K |
| Life insurance | STANDARD INSURANCE COMPANY | 2,931 | $1.0M |
| Long-term disability | STANDARD INSURANCE COMPANY | 4,023 | $1.9M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 15,670 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,670 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.