| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VHA MID AMERICA INS SVCS3 | 7415 W 130TH ST., STE 200 OVERLAND PARK, KS 66213 | LINCOLN NATIONAL LIFE INSURANCE CO | $10K | $2K | $11K | 12.02% |
| VHA MID AMERICA INS SVCS3 | 7415 W 130TH ST., STE 200 OVERLAND PARK, KS 66213 | LINCOLN NATIONAL LIFE INSURANCE CO | $13K | $2K | $15K | 16.92% |
| VHA MID AMERICA INS SVCS3 | 7415 W 130TH ST., STE 200 OVERLAND PARK, KS 66213 | LINCOLN NATIONAL LIFE INSURANCE CO | $9K | $975 | $10K | 16.62% |
| VHA MID AMERICA INS SVCS3 | 7415 W 130TH ST., STE 200 OVERLAND PARK, KS 66213 | LINCOLN NATIONAL LIFE INSURANCE CO | $5K | $428 | $6K | 16.25% |
| R K PALMER3 | 415 FOREMAN AVE NORMAN, OK 73069 | COLONIAL LIFE AND ACCIDENT INS CO | $96 | — | $96 | 2.63% |
| J F PALMER3 | PO BOX 270658 OKLAHOMA CITY, OK 73137 | COLONIAL LIFE AND ACCIDENT INS CO | $24 | — | $24 | 0.66% |
| C S GRAVES3 | 9212 RAVEN AVENUE OKLAHOMA CITY, OK 73132 | COLONIAL LIFE AND ACCIDENT INS CO | $1 | — | $1 | 0.03% |
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 | 641 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 647 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE CO | 641 | $38K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE CO | 229 | $88K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE CO | 638 | $60K |
| Other(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE CO | 641 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 641 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.