| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL BENEFIT ADMINISTRATORS3 | 900 JORIE BLVD #250 OAK BROOK, IL 60523 | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | $33K | — | $33K | 6.24% |
| HARKER, PRUDENCE A3 | 604 PLEASANT ST STE 110 BELOIT, WI 53511 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.87% |
| PRUDENCE HARKER3 | 604 PLEASANT ST STE 110 BELOIT, WI 53511 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.09% |
| PRUDENCE HARKER3 | 604 PLEASANT ST STE 110 BELOIT, WI 53511 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| PRUDENCE HARKER3 | 604 PLEASANT ST STE 110 BELOIT, WI 53511 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.66% |
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 | 220 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | 221 | $525K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 230 | $130K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 225 | $26K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 249 | $14K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 249 | $45K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 249 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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.