| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SPRINGER BENEFITS LLC3 Filed as: SPRINGER INSURANCE INC | PO BOX 406 SULLIVAN, IN 47882 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35K | — | $35K | 15.00% |
| SPRINGER BENEFITS LLC3 Filed as: SPRINGER INSURANCE INC | PO BOX 406 SULLIVAN, IN 47882 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $33K | — | $33K | 15.00% |
| SPRINGER BENEFITS LLC3 Filed as: SPRINGER INSURANCE INC | PO BOX 406 SULLIVAN, IN 47882 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | — | $16K | 15.00% |
| SPRINGER INSURANCE & FINANCIAL SVCS3 | 823 N SECTION STREET PO BOX 406 SULLIVAN, IN 47882 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 9.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EBSO INC ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing; Insurance agents and brokers Service code 12 | 450 RIVERCHASE PARKWAY E BIRMINGHAM, AL 35244 | $221K |
| THE TRIZETTO GROUP ADMINISTRATOR | Insurance agents and brokers; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | 9655 MAROON CIRCLE ENGLEWOOD, CO 80112 | $104K |
| SPRINGER INSURANCE INC. BROKER | Insurance agents and brokers Service code 22 | PO BOX 406 SULLIVAN, IN 47882 | $54K |
| MAGELLAN RX MANAGEMENT, LLC EIN 46-3708039 PHARMACY BENEFIT MGMT. | Direct payment from the plan; Other fees; Claims processing Service code 12 | — | $52K |
| ALITHIAS ADMINISTRATOR | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance agents and brokers; Contract Administrator Service code 12 | 1101 N MARKET STREET MILWAUKEE, WI 53202 | $36K |
| B&B RISK MANAGEMENT SERVICES ADMINISTRATOR | Claims processing; Insurance agents and brokers; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 107 S. MAIN STREET NORTH SYRACUSE, NY 13212 | $30K |
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 | 591 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 598 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 374 | $54K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 766 | $449K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 292 | $105K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE OF COLUMBIA, SC | 497 | $524K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 766 | $231K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 766 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.