| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | HCC LIFE INSURANCE COMPANY | $37K | — | $37K | 15.46% |
| CONSOCIATE GROUP5 | 2828 N MONROE STREET, PO BOX 1068 DECATUR, IL 62526 | HCC LIFE INSURANCE COMPANY | — | $23K | $23K | 9.53% |
| ADVOCATE 245 | 225 TOWNPARK DRIVE, SUITE 350 KENESAW, GA 301445509 | HCC LIFE INSURANCE COMPANY | — | $16K | $16K | 6.65% |
| FIRST HEALTH4 | 750 RIVERPOINT DRIVE WEST SACRAMENTO, CA 95605 | HCC LIFE INSURANCE COMPANY | — | $5K | $5K | 2.21% |
| D2E4 | 2828 N MONROE STREET, PO BOX 1068 DECATUR, IL 62526 | HCC LIFE INSURANCE COMPANY | — | $5K | $5K | 2.15% |
| HINES & ASSOCIATES4 | 115 EAST HIGHLAND AVENUE ELGIN, IL 60120 | HCC LIFE INSURANCE COMPANY | — | $2K | $2K | 0.99% |
| OCI INSURANCE AND FNCL SVCS INC3 | 4221 N 203RD ST, STE 200 ELKHORN, NE 68022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $3K | $6K | 9.51% |
| OCI INSURANCE AND FNCL SVCS INC3 | 4221 N 203RD ST, STE 200 ELKHORN, NE 68922 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $2K | $3K | 9.42% |
| RADER INSURANCE INC3 | 1130 W 2ND ST HASTINGS, NE 689014901 | VISION SERVICE PLAN | $2K | — | $2K | 10.89% |
| OCI INSURANCE AND FNCL SVCS INC3 | 4221 N 203RD ST, STE 200 ELKHORN, NE 68022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $919 | $3K | 15.00% |
| OCI INSURANCE AND FNCL SVCS INC3 | 4221 N 203RD ST, STE 200 ELKHORN, NE 68022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $406 | $229 | $635 | 13.87% |
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 | 106 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 81 | $237K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 96 | $61K |
| Vision | VISION SERVICE PLAN | 78 | $20K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 106 | $5K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 106 | $38K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 106 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 106 | — |
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.