| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANC | 800 MAIN STREET DUBUQUE, IA 52001 | GUARDIAN | $108K | $1K | $109K | 10.13% |
| MICHAEL HUNTER3 Filed as: MICHAEL F HUNTER | THE HUNTER BENEFITS GROUP 2415 ROSEDALE SUITE G MUSCLE SHOALS, AL 35661 | GUARDIAN | -$593 | — | -$593 | -0.06% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY LLC | 3100 E MIRALOMA AVE SUITE 240 ANAHEIM, CA 92806 | SUN LIFE ASSURANCE COMPANY OF CANADA | $128K | — | $128K | 32.26% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | INSURANCE SERVICES PO BOX 28 DUBUQUE, IA 52004 | SUN LIFE ASSURANCE COMPANY OF CANADA | $33K | $35K | $68K | 17.09% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES | — | HARTFORD LIFE AND ACCIDENT | $12K | $707 | $13K | 9.65% |
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 | 1,940 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,947 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 2,047 | $1.1M |
| Vision | GUARDIAN | 2,047 | $1.1M |
| Life insurance | GUARDIAN | 2,047 | $1.1M |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 2,047 | $1.2M |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN | 2,047 | $1.2M |
| Other(2 contracts, 2 carriers) | GUARDIAN | 2,047 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,047 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.