| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DS-BSC LLC3 | 6655 TOWN SQUARE #250 ALPHARETTA, GA 30005 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| DS-BSC LLC3 Filed as: DS-BSC, LLC DBA TOTEM SOLUTIONS | 6655 TOWN SQUARE #250 ALPHARETTA, GA 30005 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.70% |
| KAMINSKY & ASSOCIATES, INC.3 Filed as: KAMINSKY & ASSOCIATES | 2340 DETROIT AVE MAUMEE, OH 43537 | STANDARD INSURANCE COMPANY | $629 | — | $629 | 0.82% |
| DS-BSC LLC3 | 6655 TOWN SQUARE #250 ALPHARETTA, GA 30005 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| DS-BSC LLC3 Filed as: DS-BSC LLC DBA TOTEM SOLUTIONS | 6655 TOWN SQUARE #250 ALPHARETTA, GA 30005 | BEAZLEY INSURANCE COMPANY, INC. | $5K | $188 | $5K | 13.84% |
| DS-BSC LLC3 | 6655 TOWN SQUARE #250 ALPHARETTA, GA 30005 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| DS-BSC LLC3 Filed as: DS-BSC, LLC DBA TOTEM SOLUTIONS | 6655 TOWN SQUARE #250 ALPHARETTA, GA 30005 | STANDARD INSURANCE COMPANY | $319 | — | $319 | 2.22% |
| KAMINSKY & ASSOCIATES, INC.3 Filed as: KAMINSKY & ASSOCIATES | 2340 DETROIT AVE MAUMEE, OH 43537 | STANDARD INSURANCE COMPANY | $258 | — | $258 | 1.80% |
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 | 398 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BEAZLEY INSURANCE COMPANY, INC. | 88 | $37K |
| Dental | STANDARD INSURANCE COMPANY | 204 | $77K |
| Vision | STANDARD INSURANCE COMPANY | 188 | $14K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 412 | $79K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 230 | $52K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 132 | $30K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 412 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 412 | — |
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.