| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RUTH I LARKIN3 | 2000 WADSWORTH BLVD, STE 202 LAKEWOOD, CO 80214 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.50% |
| LTCI PARTNERS LLC3 | 2924 MARKETPLACE DR, STE 102 MADISON, WI 53719 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.03% |
| USI INSURANCE SERVICES LLC3 Filed as: USI COLORADO LLC | 1515 WYNKOOP, STE 200 DENVER, CO 80202 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.47% |
| LTCG3 | 8601 N. SCOTTSDALE RD, STE 335 SCOTTSDALE, AZ 85253 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $13 | $13 | 0.02% |
| RUTH I LARKIN3 | 2000 WADSWORTH BLVD, STE 202 LAKEWOOD, CO 80214 | LIFESECURE INSURANCE COMPANY | $5K | — | $5K | 14.56% |
| LTCI PARTNERS LLC3 | 100 FIELD DR LAKE FOREST, IL 60045 | LIFESECURE INSURANCE COMPANY | $462 | — | $462 | 1.36% |
| SPECIALTY PLANNERS, INC.3 | 6201 PRESIDENTIAL CT FORT MYERS, FL 33919 | LIFESECURE INSURANCE COMPANY | $350 | — | $350 | 1.03% |
| SENIOR COMMISSION FUNDING LLC3 | 6201 PRESIDENTIAL CT FORT MYERS, FL 33919 | LIFESECURE INSURANCE COMPANY | $65 | — | $65 | 0.19% |
| RUTH I LARKIN3 | 2000 WADSWORTH BLVD, STE 202 LAKEWOOD, CO 80214 | LIFESECURE INSURANCE COMPANY | $911 | — | $911 | 15.40% |
| LTCI PARTNERS LLC3 | 100 FIELD DR LAKE FOREST, IL 60045 | LIFESECURE INSURANCE COMPANY | $77 | — | $77 | 1.30% |
| SPECIALTY PLANNERS, INC.3 | 6201 PRESIDENTIAL CT FORT MYERS, FL 33919 | LIFESECURE INSURANCE COMPANY | $25 | — | $25 | 0.42% |
| SENIOR COMMISSION FUNDING LLC3 | 6201 PRESIDENTAL CT FORT MYERS, FL 33919 | LIFESECURE INSURANCE COMPANY | $4 | — | $4 | 0.07% |
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 | 141 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 131 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.