| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT CO INC | P.O. BOX 211486 COLUMBA, SC 29221 | DELTA DENTAL OF KANSAS, INC. | $74K | — | $74K | 6.48% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | LINCOLN FINANCIAL GROUP | $81K | — | $81K | 13.46% |
| BENEFIT COMPANY INC OF SC3 Filed as: THE BENEFIT COMPANY OF SC | P. O. BOX 211486 COLUMBIA, SC 29221 | LINCOLN FINANCIAL GROUP | — | $21K | $21K | 3.54% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $27K | — | $27K | 9.21% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | P.O. BOX 896620 CHARLOTTE, NC 28289 | LINCOLN FINANCIAL GROUP | $22K | — | $22K | 10.00% |
| THE BENEFIT COMPANY INC3 | P.O. BOX 211486 COLUMBA, SC 29221 | LINCOLN FINANCIAL GROUP | — | $9K | $9K | 4.00% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 8.22% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 6.38% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | P.O. BOX 211486 COLUMBA, SC 29221 | LINCOLN FINANCIAL GROUP | — | $4K | $4K | 4.00% |
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 | 2,130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS, INC. | 1,858 | $1.1M |
| Vision | VISION SERVICE PLAN | 1,718 | $293K |
| Life insurance | LINCOLN FINANCIAL GROUP | 2,122 | $605K |
| Short-term disability | LINCOLN FINANCIAL GROUP | 112 | $91K |
| Long-term disability | LINCOLN FINANCIAL GROUP | 1,645 | $218K |
| Other(3 contracts, 3 carriers) | LINCOLN FINANCIAL GROUP | 2,265 | $750K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,265 | — |
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.