| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE ROWLEY AGENCY3 Filed as: THE ROWLEY AGENCY LLC | PO BOX 511 CONORD, NH 03302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $834 | $5K | 9.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 95287 CHICAGO, IL 60694 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.98% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 6.35% |
| THE ROWLEY AGENCY3 Filed as: THE ROWLEY AGENCY LLC | PO BOX 511 CONORD, NH 03302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $651 | $4K | 9.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 95287 CHICAGO, IL 60694 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.87% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 6.38% |
| THE ROWLEY AGENCY3 | PO BOX 511 CONORD, NH 03302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $564 | $3K | 10.55% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 6.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 95287 CHICAGO, IL 60694 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.44% |
| THE ROWLEY AGENCY3 Filed as: THE ROWLEY AGENCY LLC | PO BOX 511 CONORD, NH 03302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $535 | $3K | 10.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 95287 CHICAGO, IL 60694 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.52% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 6.46% |
| THE ROWLEY AGENCY3 Filed as: THE ROWLEY AGENCY LLC | PO BOX 511 CONCORD, NH 03302 | VISION SERVICE PLAN | $833 | $0 | $833 | 3.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $724 | $0 | $724 | 3.32% |
| THE ROWLEY AGENCY3 | PO BOX 511 CONORD, NH 03302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $719 | $126 | $845 | 13.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 95287 CHICAGO, IL 60694 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $523 | $0 | $523 | 8.42% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $405 | $405 | 6.52% |
| THE ROWLEY AGENCY3 | PO BOX 511 CONORD, NH 03302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $531 | $92 | $623 | 12.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 95287 CHICAGO, IL 60694 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $465 | $0 | $465 | 9.34% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $318 | $318 | 6.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 95287 CHICAGO, IL 60694 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $298 | $0 | $298 | 10.95% |
| THE ROWLEY AGENCY3 | PO BOX 511 CONORD, NH 03302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $247 | $33 | $280 | 10.29% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $161 | $161 | 5.92% |
| THE ROWLEY AGENCY3 | PO BOX 511 CONORD, NH 03302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $82 | $19 | $101 | 10.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 95287 CHICAGO, IL 60694 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $64 | $0 | $64 | 6.60% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $62 | $62 | 6.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE ROWLEY AGENCY ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 511 CONCORD, NH 03302 | $17K |
| GALLAGHER BENEFIT SERVICES ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 95287 CHICAGO, IL 60694 | $11K |
| GIS BENEFIT SERVICES INC ADMINISTRATOR | Contract Administrator Service code 13 | 422 WAUPONSEE ST MORRIS, IL 60450 | $10K |
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 | 174 | 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) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 100 | $22K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 183 | $57K |
| Short-term disability(5 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 183 | $86K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 174 | $35K |
| Other(5 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 183 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.