| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MID-CONTINENT COMPANIES3 Filed as: MID-CONTINENT COMPANIES LTD | 1218 WEBSTER ST HOUSTON, TX 77002 | UNITEDHEALTHCARE INSURANCE COMPANY | $32 | $70K | $70K | 5.26% |
| MIDCONTINENT COMPANIES3 | 1218 WEBSTER ST HOUSTON, TN 770028841 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $901 | $7K | 11.43% |
| BENEUSA LLC3 | 1851 LAKE DR W # 350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 8.00% |
| MID-CONTINENT COMPANIES3 Filed as: MID CONTINENT COMPANIES LTD | 1218 WEBSTER ST HOUSTON, TX 77002 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | — | $13K | 30.48% |
| TYLER VAUGHN3 Filed as: TYLER W VAUGHN | 1702 MOSTON DR SPRING, TX 77386 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 17.82% |
| CYNTHIA HILBORN3 Filed as: CYNTHIA A HILBORN | 12322 HEATHER WICK DR CYPRESS, TX 77429 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 5.24% |
| DEBRA L SCHMIDT3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.58% |
| MIDCONTINENT COMPANIES3 | 1218 WEBSTER ST HOUSTON, TX 770028841 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $620 | $3K | 18.40% |
| BENEUSA LLC3 | 1851 LAKE DR W # 350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $912 | $912 | 5.00% |
| MIDCONTINENT COMPANIES3 | 1218 WEBSTER ST HOUSTON, TN 770028841 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $251 | $2K | 11.47% |
| MIDCONTINENT COMPANIES3 | 1218 WEBSTER ST HOUSTON, TX 770028841 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $459 | $4K | 22.93% |
| BENEUSA LLC3 | 1851 LAKE DR W # 350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $785 | $785 | 5.00% |
| MIDCONTINENT COMPANIES3 | 1218 WEBSTER ST HOUSTON, TX 770028841 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $409 | $2K | 18.09% |
| BENEUSA LLC3 | 1851 LAKE DR W # 350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $661 | $661 | 5.00% |
| MIDCONTINENT COMPANIES3 | 1218 WEBSTER ST HOUSTON, TN 770028841 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $272 | $2K | 22.67% |
| BENEUSA LLC3 | 1851 LAKE DR W # 350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $509 | $509 | 5.00% |
| MIDCONTINENT COMPANIES3 | 1218 WEBSTER ST HOUSTON, TX 770028841 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $282 | $45 | $327 | 11.60% |
| BENEUSA LLC3 | 1851 LAKE DR W # 350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $85 | $85 | 3.02% |
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 | 300 | 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) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 267 | $1.3M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 130 | $63K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 112 | $17K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 238 | $10K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 58 | $18K |
| Other(5 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 238 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.