| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS | 800 MAIN STREET DUBUQUE, IA 52001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $5K | 14.82% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVS | 800 MAIN ST DUBUQUE, IA 52001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 14.51% |
| HOLMES MURPHY & ASSOCIATES3 | 13810 FNB PKWY OMAHA, NE 68154 | RELIANCE STANDARD | — | — | $0 | 0.00% |
| FIRST INSURANCE GROUP LLC3 | 14010 FNB PARKWAY OMAHA, NE 68145 | RELIANCE STANDARD | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 31-1558779 NONE | Contract Administrator Service code 13 | 230 LEXINGTON GREEN CIR LEXINGTON, KY 40503 | $1.1M |
| CENTRAL BANK & TRUST COMPANY NONE | Investment advisory (plan); Custodial (securities) Service code 19 | 300 W VINE STREET LEXINGTON, KY 40507 | $47K |
| PNC INSTITUTIONAL INVESTMENTS EIN 25-1211909 NONE | Custodial (securities); Investment advisory (plan) Service code 19 | 1900 E. 9TH STREET CLEVELAND, OH 44114 | $28K |
| FRANK N HESTAND CPA PSC EIN 61-1336870 NONE | Accounting (including auditing) Service code 10 | 261 REGENCY CIRCLE LEXINGTON, KY 40503 | $18K |
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 | 1,627 | 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) | 1,627 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS/BLUE SHIELD | 356 | $4.9M |
| Dental | DELTA DENTAL OF KENTUCKY | 1,170 | $249K |
| Vision | VISION SERVICE PLAN | 35 | $10K |
| Life insurance(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF NEBRASKA | 425 | $5.5M |
| Short-term disability(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF NEBRASKA | 425 | $5.4M |
| Long-term disability(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF NEBRASKA | 425 | $5.5M |
| Stop-loss / reinsurancereinsurance(3 contracts, 3 carriers) | QBE INSURANCE CORPORATION | 1,050 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,170 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.