| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $73K | $110K | $183K | 13.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $80K | $80K | 6.03% |
| THE ULTIMATE SOFTWARE GROUP3 Filed as: ULTIMATE SOFTWARE GROUP | 1485 NORTH PARK DRIVE WESTON, FL 33326 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $16K | $16K | 1.21% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 900 WASHINGTON, DC 20006 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 0.52% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 0.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $19K | $0 | $19K | 7.20% |
| LOCKTON COMPANIES, LLC3 | 2 WILLIAM T MORRISSEY BOULEVARD DORCHESTER, MA 02125 | VISION SERVICE PLAN | $7K | $0 | $7K | 2.51% |
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 | 2,664 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,678 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,971 | $266K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,630 | $1.3M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,630 | $1.3M |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,630 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,630 | — |
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.