| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SRVCS | 800 MAIN ST DUBUQUE, IA 52001 | BLUE CROSS BLUE SHIELD OF TEXAS | $112K | — | $112K | 2.76% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC | — | BLUE CROSS BLUE SHIELD OF TEXAS | $64K | — | $64K | 1.58% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | BLUE CROSS BLUE SHIELD OF TEXAS | — | $9K | $9K | 0.24% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SRVCS | PO BOX 28 DUBUQUE, IA 520040028 | DELTA DENTAL INSURANCE COMPANY | $8K | — | $8K | 3.16% |
| INSURANCE OFFICE OF AMERICA3 | — | DELTA DENTAL INSURANCE COMPANY | $5K | — | $5K | 1.84% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | 800 MAIN ST DUBUQUE, IA 52001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $3K | $16K | 8.74% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $543 | $8K | 4.19% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SRVCS | 800 MAIN ST DUBUQUE, IA 52001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $2K | $9K | 8.34% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $290 | $4K | 4.04% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SRVCS | PO BOX 28 DUBUQUE, IA 520040028 | VISION SERVICE PLAN | $13K | — | $13K | 16.20% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | VISION SERVICE PLAN | $3K | — | $3K | 3.08% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES | PO BOX 28 DUBUQUE, IA 52004 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 13.21% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 5.31% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | 800 MAIN ST DUBUQUE, IA 52001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $1K | $6K | 11.99% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $140 | $3K | 5.84% |
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 | 635 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 639 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TEXAS | 1,007 | $4.1M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 1,026 | $253K |
| Vision | VISION SERVICE PLAN | 396 | $81K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 635 | $153K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 271 | $186K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 635 | $289K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 635 | $222K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,026 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.