| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBA BLUE5 | PO BOX 2365 SOUTH BURLINGTON, VT 054072365 | GERBER | $106K | — | $106K | 30.22% |
| INSURANCE PLANNING GROUP3 | 85 WASHINGTON STREET KEENE, NH 03431 | GERBER | $73K | — | $73K | 20.90% |
| INSURANCE PLANNING GROUP3 | 85 WASHINGTON STREET KEENE, NH 03431 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 11.44% |
| INSURANCE PLANNING GROUP3 | 85 WASHINGTON STREET KEENE, NH 03431 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERITAS LIFE INSURANCE CORP EIN 47-0098400 NONE | Contract Administrator Service code 13 | — | $15K |
| INSURANCE PLANNING GROUP INC EIN 02-0445207 NONE | Insurance agents and brokers Service code 22 | — | $1K |
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 | 206 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GERBER | 206 | $351K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 306 | $28K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 160 | $31K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 306 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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.