| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS, INC. | 211 GRANDVIEW DR STE 207 FT MITCHELL, KY 41017 | ANTHEM BLUE CROSS AND BLUE SHIELD | $126K | $13K | $140K | 3.71% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS, INC. | 211 GRANDVIEW DR STE 207 FT MITCHELL, KY 41017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $4K | $15K | 20.00% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS, INC. | 211 GRANDVIEW DR STE 207 FT MITCHELL, KY 41017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $3K | $13K | 20.00% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS, INC. | 211 GRANDVIEW DR STE 207 FT MITCHELL, KY 41017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $3K | $12K | 20.00% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS, INC. | 211 GRANDVIEW DR STE 207 FT MITCHELL, KY 41017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $1K | $13K | 28.00% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS, INC. | 211 GRANDVIEW DR STE 207 FT MITCHELL, KY 41017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $973 | $9K | 28.00% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS, INC. | 211 GRANDVIEW DR STE 207 FT MITCHELL, KY 41017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $6K | 20.00% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS, INC. | 211 GRANDVIEW DR STE 207 FT MITCHELL, KY 41017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $5K | 20.00% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS, INC. | 211 GRANDVIEW DR STE 207 FT MITCHELL, KY 41017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $412 | $2K | 20.00% |
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 | 427 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 430 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS AND BLUE SHIELD | 720 | $3.8M |
| Dental | ANTHEM BLUE CROSS AND BLUE SHIELD | 720 | $3.8M |
| Vision | ANTHEM BLUE CROSS AND BLUE SHIELD | 720 | $3.8M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 684 | $104K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 224 | $32K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 131 | $87K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 480 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 720 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.