| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVS INC | 800 MAIN ST DUBUQUE, IA 520016822 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $69K | $12K | $81K | 0.77% |
| WARD FINANCIAL SERVICES INC3 | 3RD FLOOR 4500 FT JACKSON BLVD COLUMBIA, SC 29209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.49% |
| HEARTLAND HEALTHCARE COALITION3 | P.O. BOX 390 MORTON, IL 615500390 | VISION SERVICE PLAN | $3K | — | $3K | 2.82% |
| R W GARRETT AGENCY3 Filed as: R W GARRETT AGENCY INC | 2201 WOODLAWN RD P.O. BOX 370 LINCOLN, IL 62656 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 15.00% |
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 | 1,121 | 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) | 1,121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,734 | $10.4M |
| Dental | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,734 | $10.4M |
| Vision | VISION SERVICE PLAN | 891 | $92K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,415 | $60K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 337 | $106K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,734 | $10.4M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,415 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,734 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.