| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETRICH BENEFIT PLAN SERVICES, INC. | 345 N. RIVERVIEW, SUITE 600 WICHITA, KS 67203 | BLUE CROSS AND BLUE SHIELD OF KANSAS | $38K | $93K | $131K | 54.38% |
| HARRINGTON BENEFIT SERVICES, INC.3 Filed as: HARRINGTON HEALTH | 780 BROOKSEDGE BLVD. WESTERVILLE, OH 43081 | THE LINCOLN NATIONAL LIFE INSUANCE COMPANY | $4K | $575 | $5K | 16.84% |
| HARRINGTON BENEFIT SERVICES, INC. Filed as: HARRINGTON HEALTH | P.O. BOX 2697 WICHITA, KS 67201 | ZURICH AMERICAN INSURANCE COMPANY | $640 | — | $640 | 15.00% |
| HARRINGTON BENEFIT SERVICES, INC. Filed as: HARRINGTON HEALTH | 780 BROOKSEDGE BLVD. WESTERVILLE, OH 43081 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $272 | $4 | $276 | 12.45% |
| HARRINGTON BENEFIT SERVICES, INC. Filed as: HARRINGTON HEALTH | 780 BROOKSEDGE BLVD. WESTERVILLE, OH 43081 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$5K | $84 | -$5K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HARRINGTON BENEFIT SERVICES EIN 41-1982309 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 780 BROOKSEDGE PLAZA DR. WESTERVILLE, OH 43081 | $10K |
| BLUE CROSS BLUE SHIELD EIN 48-0952857 | Plan Administrator Service code 14 | 113 SW TOPEKA BLVD. TOPEKA, KS 666290001 | $0 |
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 | 541 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 541 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 505 | $0 |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSUANCE COMPANY | 187 | $29K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD OF KANSAS | 778 | $240K |
| Other(2 contracts, 2 carriers) | ZURICH AMERICAN INSURANCE COMPANY | 505 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 778 | — |
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.