| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER | 800 MAIN ST DUBUQUE, IA 52001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $2K | $12K | 10.83% |
| COTTINGHAM & BUTLER | 800 MAIN ST DUBUQUE, IA 520016822 | AMERITAS | $6K | $197 | $6K | 8.26% |
| COTTINGHAM & BUTLER | 800 MAIN ST DUBUQUE, IA 52001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $569 | $5K | 17.18% |
| FREDERICK STERLING BOLYARD3 | 3090 ELECTRIC RD STE D ROANOKE, VA 24018 | NORTHWESTERN MUTUAL | $303 | $75 | $378 | — |
| CHRISTINE E MILLER3 | STE 1602322 BLUE STONE HILLS DR ROANOKE, VA 22801 | NORTHWESTERN MUTUAL | $30 | $10 | $40 | — |
| VAN DER HYDE ASSOC INC3 | STE 300 3901 WESTERRE PKWY RICHMOND, VA 23233 | NORTHWESTERN MUTUAL | $30 | $3 | $33 | — |
| FREDERICK STERLING BOLYARD3 | 3090 ELECTRIC RD STE D ROANOKE, VA 24018 | NORTHWESTERN MUTUAL | $499 | $124 | $623 | — |
| CHRISTINE E MILLER3 | STE 160 2322 BLUE STONE HILLS DR HARRISONBURG, VA 22801 | NORTHWESTERN MUTUAL | $49 | $17 | $66 | — |
| VAN DER HYDE ASSOC INC3 | STE 300 3901 WESTERRE PKWY RICHMOND, VA 23233 | NORTHWESTERN MUTUAL | $49 | $6 | $55 | — |
| SYSCO CORPORATION Filed as: SYSCO | — | SISCO | $32K | — | $32K | — |
| COTTINGHAM & BUTLER | — | COTTINGHAM & BUTLER | — | $1K | $1K | — |
| CIGNA | — | CIGNA | — | $28K | $28K | — |
| FREDERICK STERLING BOLYARD3 | 3090 ELECTRIC RD STE D ROANOKE, VA 24018 | NORTHWESTERN MUTUAL | $775 | $193 | $968 | — |
| CHRISTINE E MILLER3 | STE 160 2322 BLUE STONE HILLS DR HARRISONBURG, VA 22801 | NORTHWESTERN MUTUAL | $77 | $27 | $104 | — |
| VAN DER HYDE ASSOC INC3 | STE 300 3901 WESTERRE PKWY RICHMOND, VA 23233 | NORTHWESTERN MUTUAL | $77 | $9 | $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 | 204 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 0 | $0 |
| Dental | AMERITAS | 459 | $77K |
| Vision | AMERITAS | 459 | $77K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 243 | $138K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 243 | $110K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 243 | $110K |
| Stop-loss / reinsurancereinsurance | ARCH INSURANCE GROUP | 204 | $375K |
| Other(2 contracts, 2 carriers) | SISCO | 209 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 459 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.