| 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 | $27K | $1K | $28K | 3.02% |
| INSGROUP INC3 | 1218 WEBSTER ST HOUSTON, TX 770028841 | HEALTH CARE SERVICE CORPORATION | $28K | — | $28K | 2.98% |
| INSGROUP INC3 | 1218 WEBSTER ST HOUSTON, TX 770028841 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.87% |
| MID-CONTINENT COMPANIES3 Filed as: MID-CONTINENT COMPANIES LTD | 1218 WEBSTER ST HOUSTON, TX 770028841 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $425 | $3K | 4.82% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 4.00% |
| INSGROUP INC3 | 1218 WEBSTER ST HOUSTON, TX 770028841 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 5.96% |
| MID-CONTINENT COMPANIES3 Filed as: MID-CONTINENT COMPANIES LTD | 1218 WEBSTER ST HOUSTON, TX 770028841 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $962 | $110 | $1K | 4.50% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $953 | $953 | 4.00% |
| INSGROUP INC3 | 1218 WEBSTER ST HOUSTON, TX 770028841 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 12.38% |
| MID-CONTINENT COMPANIES3 Filed as: MID-CONTINENT COMPANIES LTD | 1218 WEBSTER ST HOUSTON, TX 770028841 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $105 | $2K | 8.09% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| INSGROUP INC3 | 1218 WEBSTER ST HOUSTON, TX 770028841 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.93% |
| MID-CONTINENT COMPANIES3 Filed as: MID-CONTINENT COMPANIES LTD | 1218 WEBSTER ST HOUSTON, TX 770028841 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $135 | $1K | 6.74% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| INSGROUP INC3 | 1218 WEBSTER ST HOUSTON, TX 770028841 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $929 | — | $929 | 5.91% |
| MID-CONTINENT COMPANIES3 Filed as: MID-CONTINENT COMPANIES LTD | 1218 WEBSTER ST HOUSTON, TX 770028841 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $643 | $51 | $694 | 4.42% |
| INSGROUP INC3 | 1218 WEBSTER ST HOUSTON, TX 770028841 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 8.85% |
| MID-CONTINENT COMPANIES3 Filed as: MID-CONTINENT COMPANIES LTD | 1218 WEBSTER ST HOUSTON, TX 770028841 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $950 | $89 | $1K | 6.72% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $773 | $773 | 5.00% |
| INSGROUP INC3 | 1218 WEBSTER ST HOUSTON, TX 770028841 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 11.87% |
| MID-CONTINENT COMPANIES3 | 1218 WEBSTER ST HOUSTON, TX 770028841 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $791 | $64 | $855 | 8.78% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $487 | $487 | 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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 209 | $933K |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 66 | $86K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 124 | $32K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 53 | $15K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 107 | $20K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 124 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.