| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | ATTN MICHAEL R SCHNEIDER 500 W MADISON STREET, SUITE 2760 CHICAGO, IL 60661 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 6.61% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS INC | 800 MAIN ST DUBUQUE, IA 52001 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 1250 S CAPITAL OF TEXAS HWY # 2-125 AUSTIN, TX 78746 | DELTA DENTAL OF ILLINOIS | $3K | — | $3K | 6.29% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE | 800 MAIN STREET DUBUQUE, IA 52001 | DELTA DENTAL OF ILLINOIS | $1K | — | $1K | 1.84% |
| BENEFIT PLANNING SERVICES INC3 | 6833 STALTER DR STE 200 ROCKFORD, IL 61108 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 8.34% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SVCS | PO BOX 28 DUBUQUE, IA 52004 | SUN LIFE ASSURANCE COMPANY OF CANADA | $259 | — | $259 | 1.66% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $52 | $52 | 0.33% |
| BENEFIT PLANNING SERVICES INC3 Filed as: BENEFIT PLANNING SERVICES, INC. | 6833 STALTER DRIVE ROCKFORD, IL 61108 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | $612 | — | $612 | 9.23% |
| COTTINGHAM & BUTLER3 | PO BOX 28 DUBUQUE, IA 520040028 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | $109 | — | $109 | 1.64% |
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ILLINOIS | 82 | $54K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | 100 | $7K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 153 | $111K |
| Short-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 153 | $127K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 153 | $111K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 153 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.