| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KAPILOFF INSURANCE AGENCY3 | 417 WINCHESTER ST KEENE, NH 03431 | LINCOLN NATIONAL LIFE INSURANCE | $3K | $0 | $3K | 8.09% |
| KAPILOFF INSURANCE AGENCY3 | 417 WINCHESTER ST KEENE, NH 03431 | LINCOLN NATIONAL LIFE INSURANCE | $3K | — | $3K | 13.06% |
| KAPILOFF INSURANCE AGENCY3 | 417 WINCHESTER ST KEENE, NH 03431 | LINCOLN NATIONAL LIFE INSURANCE | — | $1K | $1K | 12.20% |
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 | 102 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE | 102 | $9K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE | 102 | $32K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE | 102 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.