| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT MANAGMENT, INC.5 | 2600 E 32 ST, STE 100 JOPLIN, MO 64804 | GERBER LIFE INSURANCE COMPANY | — | $29K | $29K | 14.78% |
| BENEFIT MANAGMENT, INC.3 | 2600 E 32 ST, STE 100 JOPLIN, MO 64804 | GERBER LIFE INSURANCE COMPANY | $11K | — | $11K | 5.56% |
| BEIMDIEK INSURANCE AGENCY, INC.3 Filed as: BEIMDIEK INSURANCE AGENCY | 303 W THIRD, PO BOX 612 CARTHAGE, MO 64804 | GERBER LIFE INSURANCE COMPANY | $11K | — | $11K | 5.56% |
| DESIGNED PROTECTION INSURANCE SVCS3 Filed as: DESIGNED PROTECTION INSURANCE | 150 NORTH SAN DIMAS AVE STE 201 SAN DIMAS, CA 91773 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 13.50% |
| CKFIS INC3 | 3200 WILSHIRE BLVD # 1700 LOS ANGELES, CA 90010 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $277 | — | $277 | 1.50% |
| DESIGNED PROTECTION INSURANCE SVCS3 Filed as: DESIGNED PROTECTION INSURANCE | 150 NORTH SAN DIMAS AVE STE 201 SAN DIMAS, CA 91773 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 13.65% |
| CKFIS INC3 | 3200 WILSHIRE BLVD # 1700 LOS ANGELES, CA 90010 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $102 | — | $102 | 1.35% |
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 | 185 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GERBER LIFE INSURANCE COMPANY | 157 | $195K |
| Dental | GERBER LIFE INSURANCE COMPANY | 157 | $195K |
| Vision | GERBER LIFE INSURANCE COMPANY | 157 | $195K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 185 | $18K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 94 | $8K |
| Prescription drug | GERBER LIFE INSURANCE COMPANY | 157 | $195K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 157 | $195K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 185 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.