| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SERVI | 9450 BRYN MAWR AVE STE 180 ROSEMONT, IL 60018 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | — | $22K | 1.80% |
| BACH INSURANCE SERVICES INC3 | 18-3 E DUNDEE RD STE 310 BARRINGTON, IL 60010 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $57 | $57 | 0.00% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INS | 800 MAIN STREET PO BOX 28 DUBUQUE, IA 52005 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 8.79% |
| BACH INSURANCE SERVICES INC3 Filed as: BACH INSURANCE SERVICES | 18-3 EAST DUNDEE ROAD SUITE 310 BARRINGTON, IL 60010 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $2K | $4K | 5.37% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC | 175 SOUTH THIRD STREET SUITE 800 COLUMBUS, OH 43215 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $53 | — | $53 | 0.08% |
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 | 262 | 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) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 251 | $1.2M |
| Dental | DELTA DENTAL OF ILLINOIS | 188 | $19K |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 254 | $1.3M |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 254 | $67K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 0 | $0 |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 254 | $67K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 254 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.