| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY LLC | — | AETNA HEALTH, INC. | $57K | — | $57K | 5.29% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY LLC | — | AETNA LIFE INSURANCE COMPANY | $11K | — | $11K | 5.17% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY LLC | — | UNITED CONCORDIA INSURANCE COMPANY | $5K | — | $5K | 8.03% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, LLC | SIX CONCOURSE PARKWAY, STE 2750 ATLANTA, GA 30328 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, LLC | SIX CONCOURSE PARKWAY, STE 2750 ATLANTA, GA 30328 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
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 | 138 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 31 | $208K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 155 | $64K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 135 | $28K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 135 | $61K |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 135 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.