| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 300 GALLERIA PARKWAY STE 1100 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $562K | $208K | $770K | 18.49% |
| DIGITAL INSURANCE LLC3 | 300 GALLERIA PARKWAY STE 1100 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $556K | $206K | $762K | 18.53% |
| DIGITAL INSURANCE LLC3 | 300 GALLERIA PARKWAY STE 1100 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $331K | $123K | $454K | 18.49% |
| DIGITAL INSURANCE LLC3 | 300 GALLERIA PARKWAY STE 1100 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $181K | $36K | $217K | 30.00% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER AND COMPANY | DBA COLLIER INSURANCE 606 S MENDENHALL RD #200 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 0.39% |
| DIGITAL INSURANCE LLC3 | 300 GALLERIA PARKWAY STE 1100 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $170K | $34K | $203K | 30.00% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER AND COMPANY | DBA COLLIER INSURANCE 606 S MENDENHALL RD #200 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 0.46% |
| DIGITAL INSURANCE LLC3 | 300 GALLERIA PARKWAY STE 1100 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $114K | $23K | $137K | 30.00% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER AND COMPANY | DBA COLLIER INSURANCE 606 S MENDENHALL RD #200 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 0.43% |
| DIGITAL INSURANCE LLC3 | 300 GALLERIA PARKWAY STE 1100 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | $10K | $38K | 18.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | TWO PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $2K | $2K | 4.24% |
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 | 20,433 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 20,468 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 67 | $38K |
| Vision | VISION SERVICE PLAN | 11,651 | $1.7M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 20,579 | $2.7M |
| Short-term disability(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,009 | $5.3M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,188 | $4.2M |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 20,579 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20,579 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.