| 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 | $829 | — | $829 | 1.47% |
| RUTH LARKIN3 | 2049 WADSWORTH BLVD LAKEWOOD, CO 80214 | LIFESECURE INSURANCE COMPANY | $3K | — | $3K | 17.44% |
| SPECIALTY PLANNERS, INC.3 | 6201 PRESIDENTIAL CT FORT MYERS, FL 33919 | LIFESECURE INSURANCE COMPANY | $183 | — | $183 | 1.25% |
| SENIOR COMMISSION FUNDING LLC3 | 6201 PRESIDENTIAL CT FORT MYERS, FL 33919 | LIFESECURE INSURANCE COMPANY | $106 | — | $106 | 0.73% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS | 14546 BROOK HOLLOW BLVD SAN ANTONIO, TX 78232 | LIFESECURE INSURANCE COMPANY | $71 | — | $71 | 0.49% |
| RUTH LARKIN3 | 2049 WADSWORTH BLVD LAKEWOOD, CO 80214 | LIFESECURE INSURANCE COMPANY | $2K | — | $2K | 19.97% |
| SPECIALTY PLANNERS, INC.3 | 6201 PRESIDENTIAL CT FORT MYERS, FL 33919 | LIFESECURE INSURANCE COMPANY | $217 | — | $217 | 2.17% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS | 14546 BROOK HOLLOW BLVD SAN ANTONIO, TX 78232 | LIFESECURE INSURANCE COMPANY | $30 | — | $30 | 0.30% |
| SENIOR COMMISSION FUNDING LLC3 | 6201 PRESIDENTAL CT FORT MYERS, FL 33919 | LIFESECURE INSURANCE COMPANY | $7 | — | $7 | 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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 99 | $81K |
| Other(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 99 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 99 | — |
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.