| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FLAGSHIP INSURANCE SERVICES INC3 | PO BOX 99 WINSTED, MN 55395 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 8.17% |
| ENROLLEASE3 Filed as: ENROLLEASE INC | 500 TREAT AVENUE SUITE 200 SAN FRANCISCO, CA 94110 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 3.89% |
| BENEUSA LLC3 | 1851 LAKE DRIVE WEST SUITE 350 CHANHASSEN, MN 55317 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 3.06% |
| FLAGSHIP INSURANCE SERVICES INC3 Filed as: FLAGSHIP INS SVCS INC | PO BOX 99 WINSTED, MN 55395 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| BENEUSA LLC3 | 1851 LAKE DRIVE WEST SUITE 350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $942 | $942 | 5.00% |
| ENROLLLEASE INC3 | 1980 FESTIVAL PLAZA DRIVE # 810 LAS VEGAS, NV 89135 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $565 | $565 | 3.00% |
| FLAGSHIP INSURANCE SERVICES INC3 Filed as: FLAGSHIP INS SVCS INC | PO BOX 99 WINSTED, MN 55395 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| BENEUSA LLC3 | 1851 LAKE DRIVE SUITE 350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $598 | $598 | 5.00% |
| ENROLLLEAST INC3 | 1980 FESTIVAL PLAZA DRIVE # 810 LAS VEGAS, NV 89135 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $359 | $359 | 3.00% |
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 | 134 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 356 | $118K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 134 | $19K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 134 | $12K |
| Stop-loss / reinsurancereinsurance | PREFERREDONE ADMINISTRATIVE SERVICES, INC. | 122 | $481K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 134 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 356 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.