| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER Filed as: COTTINGHAM BUTLER INS SERV | 800 MAIN ST DUBUQUE, IA 52004 | HCC LIFE INSURANCE COMPANY | $36K | $6K | $43K | 11.80% |
| FREDERICK STERLING BOLYARD3 | 3959 ELECTRIC RD STE 460 ROANOKE, VA 24018 | NORTHWESTERN MUTUAL | $4K | $942 | $5K | 5.06% |
| CHRISTINE E MILLER3 | 2322 BLUE STONE HILLS DR HARRISONBURG, VA 22801 | NORTHWESTERN MUTUAL | $374 | $132 | $506 | 0.55% |
| VAN DER HYDE ASSOC INC3 | 3901 WESTERRE PKWY STE 300 RICHMOND, VA 22801 | NORTHWESTERN MUTUAL | $374 | $44 | $418 | 0.45% |
| FREDRICK STERLING BOYARD3 | 3959 ELECTRIC RD STE 460 ROANOKE, VA 24018 | NORTHWESTERN MUTUAL | $4K | $917 | $5K | 5.00% |
| CHRISTINE E MILLER3 | 2322 BLUE STONE HILLS DR HARRISONBURG, VA 22801 | NORTHWESTERN MUTUAL | $364 | $130 | $494 | 0.54% |
| VAN DER HYDE ASSOC INC3 | 3901 WESTERRE PKWY STE 300 RICHMOND, VA 23233 | NORTHWESTERN MUTUAL | $364 | $43 | $407 | 0.45% |
| COTTINGHAM & BUTLER Filed as: COTTINGHAM BUTLER INS SERV | 800 MAIN ST DUBUQUE, IA 52004 | AMERITAS | $5K | $2K | $7K | 10.74% |
| FREDERICK STERLING BOLYARD3 | 3959 ELECTRIC RD STE 460 ROANOKE, VA 24018 | NORTHWESTERN MUTUAL | $4K | $936 | $5K | 13.82% |
| CHRISTINE E MILLER3 | 2322 BLUE STONE HILLS DR HARRISONBURG, VA 22801 | NORTHWESTERN MUTUAL | $371 | $133 | $504 | 1.50% |
| VAN DER HYDE ASSOC INC3 | 3901 WESTERRE PKWY STE 300 RICHMOND, VA 23233 | NORTHWESTERN MUTUAL | $371 | $44 | $415 | 1.23% |
| COTTINGHAM & BUTLER Filed as: COTTINGHAM BUTLER INS SERV | 800 MAIN ST DUBUQUE, IA 52004 | HCC LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS | 396 | $63K |
| Vision | AMERITAS | 396 | $63K |
| Life insurance | NORTHWESTERN MUTUAL | 254 | $91K |
| Short-term disability | NORTHWESTERN MUTUAL | 253 | $93K |
| Long-term disability | NORTHWESTERN MUTUAL | 86 | $34K |
| Other | HCC LIFE INSURANCE COMPANY | 115 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 396 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.