| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MID-CONTINENT COMPANIES3 Filed as: MID-CONTINENT COMPANIES LTD | 1218 WEBSTER ST HOUSTON, TX 770028841 | HEALTH CARE SERVICE CORPORATION | $48K | $770 | $49K | 6.57% |
| MID-CONTINENT COMPANIES3 Filed as: MID-CONTINENT COMPANIES LTD | 1218 WEBSTER ST HOUSTON, TX 770028841 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $1K | $7K | 12.47% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 4.00% |
| MID-CONTINENT COMPANIES3 Filed as: MID-CONTINENT COMPANIES LTD | 1218 WEBSTER ST HOUSTON, TX 770028841 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $463 | $3K | 17.57% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $900 | $900 | 5.00% |
| MID-CONTINENT COMPANIES3 Filed as: MID-CONTINENT COMPANIES LTD | 1218 WEBSTER ST HOUSTON, TX 770028841 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $485 | $2K | 13.31% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $587 | $587 | 4.00% |
| MID-CONTINENT COMPANIES3 Filed as: MID-CONTINENT COMPANIES LTD | 1218 WEBSTER ST HOUSTON, TX 770028841 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $374 | $3K | 22.66% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $703 | $703 | 5.00% |
| MID-CONTINENT COMPANIES3 Filed as: MID-CONTINENT COMPANIES LTD | 1218 WEBSTER ST HOUSTON, TX 770028841 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $88 | $1K | 10.65% |
| MID-CONTINENT COMPANIES3 Filed as: MID-CONTINENT COMPANIES LTD | 1218 WEBSTER ST HOUSTON, TX 770028841 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $310 | $2K | 17.60% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $596 | $596 | 5.00% |
| MID-CONTINENT COMPANIES3 Filed as: MID-CONTINENT COMPANIES LTD | 1218 WEBSTER ST HOUSTON, TX 770028841 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $226 | $2K | 22.63% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $430 | $430 | 5.00% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 201 | $743K |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 70 | $71K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 108 | $23K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 52 | $12K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 108 | $18K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 108 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.