| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BKH HOLDINGS INC3 Filed as: BKH HOLDINGS, INC. | 2011 W CLEVELAND ST STE C TAMPA, FL 336061756 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $1K | $10K | 11.54% |
| BKH HOLDINGS INC3 Filed as: BKH HOLDINGS, INC. | 2011 W. CLEVELAND ST SUITE C TAMPA, FL 33606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $3K | $11K | 13.00% |
| BKH HOLDINGS INC3 Filed as: BKH HOLDINGS, INC. | 2011 W. CLEVELAND ST. STE C TAMPA, FL 33606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $2K | $11K | 13.03% |
| IMAGINE3603 | 12770 MERIT DR. DALLAS, TX 75251 | SWISS RE | $4K | — | $4K | 10.00% |
| BKH HOLDINGS INC3 Filed as: BKH HOLDINGS, INC. | 2011 W. CLEVELAND ST. STE C TAMPA, FL 33606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $882 | $6K | 23.16% |
| BKH HOLDINGS INC3 Filed as: BKH HOLDINGS, INC | 2011 W CLEVELAND ST STE C TAMPA, FL 336061756 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| BKH HOLDINGS INC3 Filed as: BKH HOLDINGS INC. | 2011 W. CLEVELAND ST STE C TAMPA, FL 33606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $407 | $3K | 23.07% |
| BKH HOLDINGS INC3 Filed as: BKH HOLDINGS, INC. | 2011 CLEVELAND ST. STE C TAMPA, FL 33606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $381 | $2K | 13.02% |
| BKH HOLDINGS INC3 | 2011 W CLEVELAND ST STE C TAMPA, FL 336061756 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $156 | $1K | 11.48% |
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 | 400 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 402 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BERKLEY LIFE | 248 | $406K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 188 | $86K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 209 | $22K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 400 | $98K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 117 | $81K |
| Other(4 contracts, 2 carriers) | SWISS RE | 400 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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.
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.