| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES | 800 MAIN ST DUBUQUE, IA 520016822 | UNITEDHEALTHCARE INSURANCE COMPANY | $65K | — | $65K | 3.41% |
| BENEFIT EXPERTS INSURANCE3 | AGENCY INC 3000 EL CAMINO REAL BLDG 4 PALO ALTO, CA 943062100 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | — | $22K | 1.14% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL NY-CENTERSTONE INS AND | FIN SER 50 MAIN ST STE 320 WHITE PLAINS, NY 106061901 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 0.19% |
| COTTINGHAM & BUTLER3 Filed as: 0009K372-COTTINGHAM AND BUTLER INSU | 800 MAIN STREET DUBUQUE, IA 52001 | GUARDIAN | $16K | — | $16K | 7.97% |
| 000QD584-SERGE SRECKO BARBIR3 | 2939 RUBINO CIRCLE SAN JOSE, CA 95125 | GUARDIAN | $7K | — | $7K | 3.76% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: 0006A830-CENTERSTONE INS AND FINANC | 12404 PARK CENTRAL DRIVE SUITE #400 DALLAS, TX 75251 | GUARDIAN | $3K | — | $3K | 1.34% |
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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 128 | $1.9M |
| Dental | GUARDIAN | 151 | $199K |
| Vision | GUARDIAN | 151 | $199K |
| Other | GUARDIAN | 151 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.