| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 2840 HILLCREEK DR AUGUSTA, GA 30909 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| ACRISURE LLC3 | 2840 HILLCREEK DR AUGUSTA, GA 30909 | THE LINCOLN NATIONAL LIFE INSURACNE COMPANY | $2K | — | $2K | 15.00% |
| ACRISURE LLC3 | 2840 HILLCREEK DR AUGUSTA, GA 30909 | THE LINCLON NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| ACRISURE LLC3 | 2840 HILLCREEK DR AUGUSTA, GA 30909 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $829 | — | $829 | 14.99% |
| ACRISURE LLC3 | 2840 HILLCREEK DR AUGUSTA, GA 30909 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $830 | — | $830 | 15.50% |
| ACRISURE LLC3 | 2840 HILLCREEK DR AUGUSTA, GA 30909 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $678 | — | $678 | 15.00% |
| ACRISURE LLC3 | 2840 HILLCREEK DR AUGUSTA, GA 30909 | THE LINCOLN NATIONAL LIFE INSURACE COMPANY | $452 | — | $452 | 10.01% |
| ACRISURE LLC3 | 2840 HILLCREEK DR AUGUSTA, GA 30909 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $138 | — | $138 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KEY BENEFIT ADMINISTRATORS INC EIN 35-1450364 ADMINISTRATOR | Other commissions Service code 55 | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | $18K |
| HEAD CAPITAL ADVISORS EIN 26-3554645 BROKER | Other commissions Service code 55 | 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 49316 | $13K |
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 | 88 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 88 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 40 | $19K |
| Vision | THE LINCOLN NATIONAL LIFE INSURACE COMPANY | 40 | $5K |
| Life insurance(2 contracts, 2 carriers) | THE LINCLON NATIONAL LIFE INSURANCE COMPANY | 85 | $14K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 14 | $5K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE | 29 | $126K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURACNE COMPANY | 85 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 85 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.