| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161690 AUSTIN, TX 787161690 | EXPRESS SCRIPTS, INC. | $4K | — | $4K | 2.51% |
| LOIS CLODFELTER3 | 516 HAYMORE AVENUE WORTHINGTON, OH 43085 | HARTFORD LIFE AND ACCIDENT | $27K | — | $27K | 18.00% |
| CHARLES BELCHER3 | 12900 PRESTON RD STE 1205 DALLAS, TX 75230 | DELTA DENTAL OF NORTH CAROLINA | $11K | — | $11K | 9.98% |
| CHARLES E BELCHER3 | 12900 PRESTON RD STE 1200 DALLAS, TX 75230 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 20.00% |
| CHARLES E BELCHER3 | 12900 PRESTON RD STE 1200 DALLAS, TX 75230 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 20.00% |
| CHARLES E BELCHER3 | 12900 PRESTON RD STE 1200 DALLAS, TX 75230 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 20.00% |
| CHARLES E BELCHER3 | 12900 PRESTON RD STE 1200 DALLAS, TX 75230 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 20.00% |
| CHARLES E BELCHER3 | 12900 PRESTON RD STE 1200 DALLAS, TX 75230 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| LG INSURANCE MANAGEMENT SERVICES LP3 | 12900 PRESTON RD STE 1205 DALLAS, TX 752301371 | VISION SERVICE PLAN | $996 | — | $996 | 5.93% |
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 | 83 | 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) | 83 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 186 | $110K |
| Vision | VISION SERVICE PLAN | 87 | $17K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 94 | $84K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 94 | $70K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 94 | $34K |
| Prescription drug | EXPRESS SCRIPTS, INC. | 52 | $174K |
| Other(4 contracts, 3 carriers) | THE NORTH RIVER INSURANCE COMPANY | 94 | $530K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.