| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 333 W WACKER DR STE 1200 CHICAGO, IL 606061351 | UNITEDHEALTHCARE INSURANCE COMPANY | $52K | $0 | $52K | 5.30% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURAN | 800 MAIN ST DUBUQUE, IA 520016822 | UNITEDHEALTHCARE INSURANCE COMPANY | -$5 | $0 | -$5 | -0.00% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FL BOSTON, MA 02110 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $189 | $3K | 22.53% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FL BOSTON, MA 02110 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $102 | $5K | 72.55% |
| RSC INSURANCE BROKERAGE INC3 | 125 W ORCHARD ST ITASCA, IL 60143 | UNITEDHEALTHCARE INSURANCE COMPANY | $493 | $0 | $493 | 29.72% |
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 | 304 | 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) | 304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 235 | $982K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 235 | $982K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 235 | $982K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 304 | $2K |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 304 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.