| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFIT PARTNERS LLC3 | PO BOX 133 FORT MADISON, IA 52627 | BLUECROSS BLUESHIELD OF ILLINOIS | $79K | $1 | $79K | 3.53% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM BUTLER INSURANCE SERVICE | 800 MAIN STREET DUBUQUE, IA 52001 | BLUECROSS BLUESHIELD OF ILLINOIS | $895 | — | $895 | 0.04% |
| QUINCY RECYCLE PAPER, INC.0 | 535 MAINE STREET QUINCY, IL 623013950 | BLUECROSS BLUESHIELD OF ILLINOIS | $0 | $1 | $1 | 0.00% |
| GROUP BENEFIT PARTNERS LLC3 | PO BOX 133 FORT MADISON, IA 52627 | DEARBORN LIFE INSURANCE COMPANY | $16K | — | $16K | 11.50% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INS SERVICES | 800 MAIN STREET DUBUQUE, IA 52001 | DEARBORN LIFE INSURANCE COMPANY | $3K | — | $3K | 2.12% |
| GROUP BENEFIT PARTNERS LLC3 Filed as: GROUP BENEFIT PARTNERS, LLC | PO BOX 133 FORT MADISON, IA 526270133 | VISION SERVICE PLAN | $867 | — | $867 | 4.32% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CAPITAL, INC. | 914 AVENUE G FORT MADISON, IA 52627 | VISION SERVICE PLAN | $591 | — | $591 | 2.94% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER, INC | PO BOX 28 DUBUQUE, IA 520040028 | VISION SERVICE PLAN | $169 | — | $169 | 0.84% |
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 | 439 | 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) | 439 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 407 | $2.2M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 407 | $2.2M |
| Vision | VISION SERVICE PLAN | 222 | $20K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 264 | $136K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 264 | $136K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 264 | $136K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 264 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 407 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.