| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES, INC | 10425 SOUTH 82ND EAST AVENUE TULSA, OK 74133 | COMMUNITYCARE | — | $40K | $40K | 3.29% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES, INC | 10425 SOUTH 82ND EAST AVENUE TULSA, MO 74133 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $34K | $5K | $38K | 15.85% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $11K | $11K | 4.36% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES, INC | 10425 SOUTH 82ND EAST AVENUE TULSA, MO 74133 | DEARBORN LIFE INSURANCE COMPANY | $2K | $656 | $3K | 12.48% |
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 | 234 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITYCARE | 206 | $1.2M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 234 | $243K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 154 | $25K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 234 | $243K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 234 | $243K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 234 | $243K |
| Prescription drug | COMMUNITYCARE | 206 | $1.2M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 234 | $243K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.