| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DS-BSC LLC3 Filed as: DS-BSC,LLC DBA TOTEM SOLUTIONS | GEOFF ROWSON 6655 TOWN SQ., STE 250 ALPHARETTA, GA 30005 | DELTA DENTAL OF OHIO | $10K | — | $10K | 9.19% |
| DS-BSC LLC3 | 6655 TOWN SQUARE STE 250 ALPHARETTA, GA 30005 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 15.00% |
| DS-BSC LLC3 | 6655 TOWN SQUARE STE 250 ALPHARETTA, GA 30005 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| DS-BSC LLC3 Filed as: DS-BSC, LLC DBA TOTEM SOLUTIONS | GEOFF ROWSON 6655 TOWN SQUARE STE 250 ALPHARETTA, GA 30005 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 17.54% |
| DS-BSC LLC3 | 6655 TOWN SQUARE STE 250 ALPHARETTA, GA 30005 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| DS-BSC LLC3 | 6655 TOWN SQUARE STE 250 ALPHARETTA, GA 30005 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| DS-BSC LLC3 Filed as: DS-BSC, LLC | 6655 TOWN SQUARE STE 250 ALPHARETTA, GA 30005 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
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 | 425 | 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) | 425 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | 100 | $37K |
| Dental | DELTA DENTAL OF OHIO | 378 | $113K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 200 | $17K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 425 | $100K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 251 | $96K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 235 | $36K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 425 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 425 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.