| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | 800 MAIN STREET DUBUQUE, IA 52001 | BLUECROSS BLUESHIELD OF ILLINOIS | $49K | — | $49K | 3.93% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | 800 MAIN STREET DUBUQUE, IA 52001 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 7.71% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | 800 MAIN ST DUBUQUE, IA 52001 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 12.72% |
| VANESSA L TORRES3 | 5316 ARLINGTON CIRCLE HANOVER PARK, IL 60133 | CONTINENTAL AMERICAN INSURANCE COMPANY | $906 | — | $906 | 3.02% |
| EL TORRO INC3 Filed as: EL TORRO INC. | 14031 JOHN HUMPHREY DR ORLAND PARK, IL 60462 | CONTINENTAL AMERICAN INSURANCE COMPANY | $177 | — | $177 | 0.59% |
| ALFREDO ROSAS3 | 7604 RED ARROW HWY LOT 66 WATERVIET, MI 49098 | CONTINENTAL AMERICAN INSURANCE COMPANY | $162 | — | $162 | 0.54% |
| THE WORKSITE GROUP LLC3 Filed as: WORKSITE BENEFITS LLC | 4200 W MICHIGAN AVE SUITE 102 KALAMAZOO, MI 49006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $97 | — | $97 | 0.32% |
| JUSTIN M GOODENOUGH3 | 2643 120TH AVE ALLEGAN, MI 49010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | — | $55 | 0.18% |
| TONYA L REMLEY3 | 876 TANGLEFOOT LN BETTENDORF, IA 52722 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| MARTIN J LEWIS3 | 900 N. KINGSBURY AVE CHICAGO, IL 60610 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 202 | $1.2M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 210 | $125K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 210 | $125K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 210 | $125K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 210 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.