| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 333 W WACKER DRIVE STE 1200 CHICAGO, IL 60606 | SUPERIOR DENTAL CARE, INC. | $7K | — | $7K | 6.43% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BNFT SOLUTIONS LLC | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 19.05% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.76% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN RD STE 310 MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $636 | $636 | 1.19% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BNFT SOLUTIONS LLC | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 18.81% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.95% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN RD STE 310 MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $548 | $548 | 1.24% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BNFT SOLUTIONS LLC | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 18.87% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.90% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN RD STE 310 MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $411 | $411 | 1.23% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BNFT SOLUTIONS LLC | 18940 N PIMA RD STE 210 SOCTTSDALE, AZ 85255 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $641 | — | $641 | 19.02% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $161 | — | $161 | 4.78% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN RD STE 310 MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $40 | $40 | 1.19% |
| RSC INSURANCE BROKERAGE INC3 | 333 W WACKER DR STE 1950 CHICAGO, IL 60606 | THE HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $135 | — | $135 | 15.02% |
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 | 359 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 359 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUPERIOR DENTAL CARE, INC. | 384 | $114K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 644 | $98K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 221 | $34K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 644 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 644 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.