| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERV INC | 9450 BRYN MAWR AVE # 180 ROSEMONT, IL 60018 | UNITED HEALTHCARE INSURANCE COMPANY | — | $405 | $405 | 0.00% |
| AXION RMS LTD3 | 2651 WARRENVILLE RD # 200 DOWNERS GROVE, IL 60515 | UNITED HEALTHCARE INSURANCE COMPANY | — | $161 | $161 | 0.00% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | UNITED HEALTHCARE INSURANCE COMPANY | — | $67 | $67 | 0.00% |
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 | 161,430 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,906 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 165,336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(20 contracts, 8 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 316,262 | $1.8B |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 316,262 | $1.6B |
| Vision | VISION SERVICE PLAN | 152,551 | $12.6M |
| Prescription drug(20 contracts, 8 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 316,262 | $1.8B |
| Other | UNITED HEALTHCARE INSURANCE COMPANY, OPTUM CARE 24 | 248,518 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316,262 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.