| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC AGENCY LLC | 1025 ASHWORTH RD SUITE 100 WEST DES MOINES, IA 50265 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $41K | $41K | 13.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC AGENCY LLC | 1025 ASHWORTH RD SUITE 100 WEST DES MOINES, IA 50265 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $35K | $35K | 13.00% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD SUITE 101 WEST DES MOINES, IA 50265 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $12K | $12K | 13.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC AGENCY LLC | 1025 ASHWORTH RD SUITE 100 WEST DES MOINES, IA 50265 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 13.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC AGENCY LLC | 1025 ASHWORTH RD SUITE 100 WEST DES MOINES, IA 50265 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 13.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHSCOPE BENEFITS, INC. EIN 71-8047266 CLAIMS PROCESSING | Claims processing Service code 12 | — | $1.7M |
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 | 3,446 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,446 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 1,481 | $567K |
| Vision | VISION SERVICE PLAN | 1,369 | $169K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,446 | $385K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,013 | $316K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 101 | $37K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,446 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,446 | — |
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.
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.