| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COVENANT INSURANCE GROUP, INC.3 | 1551 THREE CROWNS DRIVE, SUITE 110 CASPER, WY 82604 | COMPANION LIFE INSURANCE COMPANY | $18K | — | $18K | 6.05% |
| SISCO3 | P.O. BOX 389 DUBUQUE, IA 520040389 | COMPANION LIFE INSURANCE COMPANY | $15K | — | $15K | 5.04% |
| COVENANT INSURANCE GROUP, INC.3 | 1551 THREE CROWNS DRIVE, SUITE 110 CASPER, WY 82604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.12% |
| COVENANT INSURANCE GROUP, INC.3 | 1551 THREE CROWNS DRIVE, SUITE 110 CASPER, WY 82604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 14.23% |
| COVENANT INSURANCE GROUP, INC.3 | 1551 THREE CROWNS DRIVE, SUITE 110 CASPER, WY 82604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 146.30% |
| COVENANT INSURANCE GROUP, INC.3 | 1551 THREE CROWNS DRIVE, SUITE 110 CASPER, WY 82604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $532 | — | $532 | 11.23% |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 121 | $26K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 125 | $18K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 109 | $299K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 121 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.