| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MID-CONTINENT COMPANIES3 Filed as: MID-CONTINENT COMPANIES INC | 1218 WEBSTER STREET HOUSTON, TX 77002 | AETNA LIFE INSURANCE CO. | $17K | — | $17K | 5.73% |
| INS GROUP INC3 | 5151 SAN FELIPE 24TH FL HOUSTON, TX 77056 | AETNA LIFE INSURANCE CO. | $12K | — | $12K | 4.18% |
| MID-CONTINENT COMPANIES3 | 1218 WEBSTER ST HOUSTON, TX 770028847 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $812 | $12K | 10.77% |
| INSGROUP INC3 | 1218 WEBSTER ST HOUSTON, TX 77002 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 9.93% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 5.00% |
| MID-CONTINENT COMPANIES3 Filed as: MID-CONTINENT COMPANIES, LTD | 1218 WEBSTER ST HOUSTON, TX 770028841 | VISION SERVICE PLAN | $1K | — | $1K | 2.48% |
| INSGROUP INC3 | 5151 SAN FELIPE ST SUITE 2400 HOUSTON, TX 770563632 | VISION SERVICE PLAN | $636 | — | $636 | 1.25% |
| MID-CONTINENT COMPANIES3 | 1218 WEBSTER ST HOUSTON, TX 770028841 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $324 | $4K | 8.96% |
| INSGROUP INC3 | 1218 WEBSTER ST HOUSTON, TX 77002 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.79% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| MID-CONTINENT COMPANIES3 | 1218 WEBSTER ST HOUSTON, TX 770028841 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $246 | $4K | 10.51% |
| INSGROUP INC3 | 1218 WEBSTER ST HOUSTON, TX 77002 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.17% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
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 | 405 | 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) | 405 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 766 | $292K |
| Vision | VISION SERVICE PLAN | 307 | $51K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 439 | $36K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 439 | $43K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 439 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 766 | — |
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.