| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT HEALTH ADVISOR3 | 9605 S KINGSTON CT SUITE 150 ENGLEWOOD, CO 80112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $5K | 3.79% |
| BENEFIT HEALTH ADVISOR3 | 9605 S KINGSTON CT SUITE 150 ENGLEWOOD, CO 80112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $597 | $4K | 4.86% |
| BENEFIT HEALTH ADVISOR3 | 9605 S KINGSTON CT SUITE 150 ENGLEWOOD, CO 80112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $754 | $4K | 7.13% |
| BENEFIT HEALTH ADVISOR3 | 9605 S KINGSTON CT SUITE 150 ENGLEWOOD, CO 80112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $740 | $4K | 7.89% |
| BENEFIT HEALTH ADVISOR3 | 9605 S KINGSTON CT SUITE 150 ENGLEWOOD, CO 80112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $448 | $3K | 10.62% |
| BENEFIT HEALTH ADVISOR3 | 9605 S KINGSTON CT SUITE 150 ENGLEWOOD, CO 80112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $432 | $3K | 14.91% |
| BENEFIT HEALTH ADVISOR3 | 9605 S KINGSTON CT SUITE 150 ENGLEWOOD, CO 80112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $432 | $3K | 14.91% |
| BENEFIT HEALTH ADVISOR3 | 9605 S KINGSTON CT SUITE 150 ENGLEWOOD, CO 80112 | VISION SERVICE PLAN | $992 | — | $992 | 5.97% |
| BENEFIT HEALTH ADVISOR3 | 9605 S KINGSTON CT SUITE 150 ENGLEWOOD, CO 80112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $266 | $2K | 12.62% |
| BENEFIT HEALTH ADVISOR3 | 9605 S KINGSTON CT SUITE 150 ENGLEWOOD, CO 80112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $203 | $1K | 17.47% |
| BENEFIT HEALTH ADVISOR3 | 9605 S KINGSTON CT SUITE 150 ENGLEWOOD, CO 80112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $321 | $49 | $370 | 17.31% |
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 | 174 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 133 | $202K |
| Vision | VISION SERVICE PLAN | 134 | $17K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 140 | $41K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 139 | $103K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 140 | $47K |
| Other(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 140 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.