| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE SER | 800 MAIN STREET DUBUQUE, IA 52001 | BLUE CROSS AND BLUE SHIELD OF ILLINOIS | $58K | $2 | $58K | 4.51% |
| ERA INDUSTRIES, INC.3 | 1800 W. GREENLEAF AVENUE ELK GROVE VILLAGE, IL 60007 | BLUE CROSS AND BLUE SHIELD OF ILLINOIS | — | $1 | $1 | 0.00% |
| BENEFIT PARTNERS GROUP LLC3 Filed as: BENEFIT PARTNERS GROUP, LLC | 1850 W. WINCHESTER ROAD SUITE 103 LIBERTYVILLE, IL 60048 | BLUE CROSS AND BLUE SHIELD OF ILLINOIS | — | $1 | $1 | 0.00% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS | 800 MAIN ST DUBUQUE, IA 52001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $49K | — | $49K | 12.56% |
| BENEFIT PARTNERS GROUP LLC3 | 1850 W WINCHESTER RD STE 103 LIBERTYVILLE, IL 60048 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 2.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 206 S JEFFERSON ST # 200 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 0.66% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $904 | $904 | 0.23% |
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 | 229 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ILLINOIS | 314 | $1.3M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 229 | $390K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 229 | $390K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 229 | $390K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 229 | $390K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 229 | $390K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 229 | $390K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.