| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VHA MID AMERICA INS SVCS3 | PO BOX 842167 DALLAS, TX 75284 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $42K | — | $42K | 10.88% |
| TRILLOGY PURCHASING ALLNCE LLC3 | 1601 MEDICAL CENTER DR STEE 11 EDMOND, OK 73034 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | — | $16K | 4.12% |
| VHA MID AMERICA INS SVCS3 | PO BOX 842167 DALLAS, TX 75284 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | — | $18K | 10.86% |
| TRILLOGY PURCHASING ALLNCE LLC3 | 1601 MEDICAL CENTER DR STE 11 EDMOND, OK 73034 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 4.14% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SCRIPT CARE LTD EIN 76-0295598 PHARMACY VENDOR | Other services Service code 49 | 6380 FOLSOM DRIVE BEAUMONT, TX 77706 | $1.9M |
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 | 552 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 552 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 71 | $65K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 71 | $65K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 718 | $167K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 71 | $389K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 718 | — |
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.