| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERITAIN HEALTH3 | 509 PROGRESS DRIVE LINTHICUM, MD 21090 | HCC LIFE INSURANCE COMPANY | — | $3K | $3K | 2.50% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST LLC | 1721 MAGNAVOX WAY FORT WAYNE, IN 46804 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 10.33% |
| RCH INC3 | 2833 UNION CHAPEL ROAD FORT WAYNE, IN 46845 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.67% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST LLC | 1721 MAGNAVOX WAY FORT WAYNE, IN 46804 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.50% |
| RCH INC3 | 2833 UNION CHAPEL ROAD FORT WAYNE, IN 46845 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $901 | — | $901 | 3.67% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST LLC | 1721 MAGNAVOX WAY FORT WAYNE, IN 46804 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.93% |
| RCH INC3 | 2833 UNION CHAPEL ROAD FORT WAYNE, IN 46845 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $609 | — | $609 | 2.91% |
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 | 183 | 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) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 184 | $119K |
| Dental | HCC LIFE INSURANCE COMPANY | 184 | $119K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 188 | $21K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 88 | $44K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 185 | $25K |
| Prescription drug | HCC LIFE INSURANCE COMPANY | 184 | $119K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 184 | $119K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 188 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.