| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE | SERVICE 800 MAIN STREET DUBUQUE, IA 52001 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $140K | — | $140K | 6.04% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERSLLC | 4211 W. BOY SCOUT BLVD. SUITE 800 TAMPA, FL 33607 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $129K | — | $129K | 5.55% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERSLLC | 1277 KENSINGTON DRIVE KNOXVILLE, TN 37922 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $0 | $126K | $126K | 5.41% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE | SERVICES - KRISTA SIGMAN 800 MAIN ST DUBUQUE, IA 52001 | DELTA DENTAL OF TENNESSEE | $10K | — | $10K | 1.44% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC - | BRENT WICK 4221 W. BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | DELTA DENTAL OF TENNESSEE | $9K | — | $9K | 1.32% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER, INC | PO BOX 28 DUBUQUE, IA 520040028 | VISION SERVICE PLAN | $5K | — | $5K | 2.84% |
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 | 1,663 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,669 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 2,787 | $684K |
| Vision | VISION SERVICE PLAN | 1,534 | $176K |
| Life insurance | RELIANCESTANDARD LIFE INSURANCE COMPANY | 2,333 | $2.3M |
| Short-term disability | RELIANCESTANDARD LIFE INSURANCE COMPANY | 2,333 | $2.3M |
| Long-term disability | RELIANCESTANDARD LIFE INSURANCE COMPANY | 2,333 | $2.3M |
| Other | RELIANCESTANDARD LIFE INSURANCE COMPANY | 2,333 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,787 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.