| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET, SUITE 1410 LITTLE ROCK, AR 72201 | AMERITAS LIFE INSURANCE CORPORATION | $3K | $0 | $3K | 0.59% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 WEST SR 426, SUITE 2021 OVIEDO, FL 32765 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $17K | $17K | 4.68% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET, SUITE 1410 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $11K | $11K | 3.16% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.35% |
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 | 1,636 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 151 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,793 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 262 | $1.6M |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 1,542 | $453K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 1,542 | $453K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,316 | $358K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,316 | $358K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,316 | $358K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 262 | $1.6M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,316 | $358K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,542 | — |
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.