| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 9605 S KINGSTON CT STE 150 ENGLEWOOD, CO 80112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.45% |
| BENEFIT HEALTH ADVISOR3 Filed as: BENEFIT HEALTH ADVISOR INC | 9605 S KINGSTON CT STE 150 ENGLEWOOD, CO 80112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $198 | — | $198 | 0.16% |
| ACRISURE LLC3 | 9605 S KINGSTON CT STE 150 ENGLEWOOD, CO 80112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.80% |
| BENEFIT HEALTH ADVISOR3 Filed as: BENEFIT HEALTH ADVISOR INC | 9605 S KINGSTON CT STE 150 ENGLEWOOD, CO 80112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $379 | — | $379 | 0.45% |
| ACRISURE LLC3 | 9605 S KINGSTON CT STE 150 ENGLEWOOD, CO 80112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.51% |
| BENEFIT HEALTH ADVISOR3 Filed as: BENEFIT HEALTH ADVISOR INC | 9605 S KINGSTON CT STE 150 ENGLEWOOD, CO 80112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $149 | — | $149 | 0.20% |
| ACRISURE LLC3 | 9605 S KINGSTON CT STE 150 ENGLEWOOD, CO 80112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.19% |
| BENEFIT HEALTH ADVISOR3 Filed as: BENEFIT HEALTH ADVISOR INC | 9605 S KINGSTON CT STE 150 ENGLEWOOD, CO 80112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $321 | — | $321 | 0.50% |
| ACRISURE LLC3 | 9605 S KINGSTON CT STE 150 ENGLEWOOD, CO 80112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.29% |
| BENEFIT HEALTH ADVISOR3 Filed as: BENEFIT HEALTH ADVISOR INC | 9605 S KINGSTON CT STE 150 ENGLEWOOD, CO 80112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $271 | — | $271 | 0.63% |
| ACRISURE LLC3 | 9506 S KINGSTON CT STE 150 ENGLEWOOD, CO 80112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 11.26% |
| BENEFIT HEALTH ADVISOR3 Filed as: BENEFIT HEALTH ADVISOR INC | 9605 S KINGSTON CT STE 150 ENGLEWOOD, CO 80112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $318 | — | $318 | 1.23% |
| ACRISURE LLC3 | 9605 S KINGSTON CT STE 150 ENGLEWOOD, CO 80112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.65% |
| BENEFIT HEALTH ADVISOR3 Filed as: BENEFIT HEALTH ADVISOR INC | 9605 S KINGSTON CT STE 150 ENGLEWOOD, CO 80112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $209 | — | $209 | 0.83% |
| ACRISURE LLC3 | 9605 S KINGSTON CT STE 150 ENGLEWOOD, CO 80112 | VISION SERVICE PLAN | $845 | — | $845 | 4.52% |
| BENEFIT HEALTH ADVISOR3 | 9605 S KINGSTON CT STE 150 ENGLEWOOD, CO 80112 | VISION SERVICE PLAN | $220 | — | $220 | 1.18% |
| ACRISURE LLC3 | 9605 S KINGSTON CT STE 150 ENGLEWOOD, CO 80112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.42% |
| BENEFIT HEALTH ADVISOR3 Filed as: BENEFIT HEALTH ADVISOR INC | 9605 S KINGTON CT STE 150 ENGLEWOOD, CO 80112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $147 | — | $147 | 0.91% |
| ACRISURE LLC3 | 9605 S KINGSTON CT STE 150 ENGLEWOOD, CO 80112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 13.97% |
| BENEFIT HEALTH ADVISOR3 Filed as: BENEFIT HEALTH ADVISOR INC | 9605 S KINGSTON CT STE 150 ENGLEWOOD, CO 80112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $150 | — | $150 | 1.03% |
| ACRISURE LLC3 | 9605 S KINGSTON CT STE 150 ENGLEWOOD, CO 80112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $195 | — | $195 | 13.49% |
| BENEFIT HEALTH ADVISOR3 Filed as: BENEFIT HEALTH ADVISOR INC | 9605 S KINGSTON CT STE 150 ENGLEWOOD, CO 80112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22 | — | $22 | 1.52% |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| 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 | 136 | $202K |
| Vision | VISION SERVICE PLAN | 141 | $19K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 147 | $41K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 145 | $107K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 146 | $111K |
| Other(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 147 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.