| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE | SERVICES, - KIMBERLY BECK 800 MAIN ST DUBUQUE, IA 52001 | DELTA DENTAL OF INDIANA | $196K | $0 | $196K | 4.52% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. - | SPENCER ALLEN 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | DELTA DENTAL OF INDIANA | $18K | $0 | $18K | 0.41% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | INSURANCE SER 800 MAIN ST DUBUQUE, IA 52001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $220K | — | $220K | 12.26% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $37K | $37K | 2.03% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANC | 800 MAIN STREET DUBUQUE, IA 52001 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $158K | $2K | $160K | 13.33% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS | 1 BURTON HOLLS BLVD SUITE 300E NASHVILLE, TN 37215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $288K | — | $288K | 31.48% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY LLC | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 303395946 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 0.53% |
| MORGAN STRONG3 | 1735 BARCELONA WAY WINTER PARK, FL 327895616 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.13% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | INSURANCE SERVICES, LLC 800 MAIN STREET DUBUQUE, IA 52001 | CONTINENTAL AMERICAN INSURANCE COMPANY | $617 | — | $617 | 0.07% |
| RUBEN ROSA3 | 933 LEE RD 200 ORLANDO, FL 32810 | CONTINENTAL AMERICAN INSURANCE COMPANY | $602 | — | $602 | 0.07% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | TRUSTMARK INSURANCE COMPANY | $149K | — | $149K | 20.39% |
| INSURANCE OFFICES OF AMERICA3 | 1855 W STATE RD 434 LONGWOOD, FL 32750 | TRUSTMARK INSURANCE COMPANY | $11K | — | $11K | 1.54% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY INC. | 3100 E MIRALOMA AVE - SUITE 240 ANAHEIM, CA 92806 | TRUSTMARK INSURANCE COMPANY | $11K | — | $11K | 1.47% |
| THE SCOTT GROUP BENEFITS SPEC LLC3 Filed as: THE SCOTT GROUP BENEFIT SPECIALIST | LLC 8320 ALLISON POINTE BLVD STE 135 INDIANAPOLIS, IN 46250 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 0.15% |
| JEANNE K SHAWHAN3 | 3545 SYLVAN RIDGE CT INDIANAPOLIS, IN 46256 | TRUSTMARK INSURANCE COMPANY | $877 | — | $877 | 0.12% |
| LISA DUCKETT3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | TRUSTMARK INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER, INC | PO BOX 28 DUBUQUE, IA 520040028 | VISION SERVICE PLAN | $42K | — | $42K | 5.71% |
| 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 | $95K | — | $95K | 34.57% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | INSURANCE SERVICES PO BOX 28 DUBUQUE, IA 52004 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | $23K | $35K | 12.57% |
| COTTINGHAM & BUTLER3 | INSURANCE SERVICES LLC PO BOX 28 DUBUQUE, IA 520040028 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $2K | $31K | 11.90% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE ROAD 434 LONGWOOD, FL 327505069 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $5K | $11K | 4.40% |
| INSURANCE OFFICE OF AMERICA3 | 210 S. PINELLAS AVENUE SUITE 176 TARPON SPRINGS, FL 34689 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | — | $12K | 5.22% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY LLC | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 303395946 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 3.26% |
| VELOCITY BENEFITS3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 3.08% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | INSURANCE SERVICES, LLC 800 MAIN STREET DUBUQUE, IA 52001 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 2.67% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY LLC | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 303395946 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | — | $13K | 13.49% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS | 1 BURTON HOLLS BLVD SUITE 300E NASHVILLE, TN 37215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 11.28% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | INSURANCE SERVICES, LLC 800 MAIN STREET DUBUQUE, IA 52001 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.33% |
| INSURANCE OFFICE OF AMERICA3 | SPENCER ALLEN JR 100 GALLERIA PKWY, SUITE 600 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $359 | — | $359 | 10.01% |
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 | 9,551 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 63 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,614 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 12 | $82K |
| Dental | DELTA DENTAL OF INDIANA | 15,962 | $4.3M |
| Vision | VISION SERVICE PLAN | 5,886 | $731K |
| Life insurance(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,082 | $3.3M |
| Short-term disability(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,082 | $3.3M |
| Long-term disability(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,082 | $3.3M |
| Other(11 contracts, 9 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,380 | $5.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,962 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.