| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES | 800 MAIN ST DUBUQUE, IA 520016822 | UNITEDHEALTHCARE INSURANCE COMPANY | $60K | $1K | $61K | 1.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN MN MINNEAPOLIS | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 554023212 | UNITEDHEALTHCARE INSURANCE COMPANY | $31K | — | $31K | 0.78% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVIC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | SYMETRA LIFE INSURANCE COMPANY | $43K | $9K | $52K | 14.11% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | SYMETRA LIFE INSURANCE COMPANY | — | $23K | $23K | 6.10% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANC | PO BOX 28 DUBUQUE, IA 52004 | SYMETRA LIFE INSURANCE COMPANY | $12K | $1K | $14K | 3.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MINNESOTA I | 7301 OHMS LN STE 210 MINNEAPOLIS, MN 55439 | SYMETRA LIFE INSURANCE COMPANY | $12K | — | $12K | 12.97% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANC | PO BOX 28 DUBUQUE, IA 52004 | SYMETRA LIFE INSURANCE COMPANY | $4K | $2K | $5K | 5.85% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | SYMETRA LIFE INSURANCE COMPANY | — | $5K | $5K | 5.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVIC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 554022105 | SYMETRA LIFE INSURANCE COMPANY | — | $3K | $3K | 2.86% |
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 | 359 | 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) | 360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 264 | $4.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 264 | $4.0M |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 370 | $371K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 370 | $371K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 370 | $371K |
| Other(2 contracts) | SYMETRA LIFE INSURANCE COMPANY | 890 | $464K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 890 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.