| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AXIAL BENEFITS GROUP LLC3 | 1 VAN DE GRAAFF DR STE 501 BURLINGTON, MA 01803 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.44% |
| ALKEME INSURANCE SERVICES INC3 Filed as: ALKEME INSURANCE SERVICES | 1 VAN DE GRAAFF DR STE 501 BURLINGTON, MA 01803 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $822 | — | $822 | 0.49% |
| AXIAL BENEFITS GROUP LLC3 | 1 VAN DE GRAAFF DR STE 501 BURLINGTON, MA 01803 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.98% |
| ALKEME INSURANCE SERVICES INC3 Filed as: ALKEME INSURANCE SERVICES | 1 VAN DE GRAAFF DR STE 501 BURLINGTON, MA 01803 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.87% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| ALKEME INSURANCE SERVICES INC3 Filed as: ALKEME INSURANCE SERVICES | 1 VAN DE GRAAFF DR STE 501 BURLINGTON, MA 01803 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 6.45% |
| AXIAL BENEFITS GROUP LLC3 | 1 CAN DE GRAAFF DR STE 501 BURLINGTON, MA 01803 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.53% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18 | — | $18 | 0.02% |
| ALKEME INSURANCE SERVICES INC3 Filed as: ALKEME INSURANCE SERVICES, INC | 111 CORPORATE DR #200 LADERA RANCH, CA 92694 | VISION SERVICE PLAN | $1K | — | $1K | 2.42% |
| AXIAL BENEFITS GROUP LLC3 Filed as: AXIAL BENEFITS GROUP | 1 VAN DE GRAAFF DR STE 501 BURLINGTON, MA 018034542 | VISION SERVICE PLAN | $756 | — | $756 | 1.46% |
| ALKEME INS SERVICES INC3 | DBA AXIAL BENEFITS GROUP 1 VAN DE GRAAFF DRIVE STE 501 BURLINGTON, MA 01803 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | — | $6K | 12.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS 22ND FL NEW YORK, NY 10036 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $583 | — | $583 | 25.01% |
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 | 536 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 562 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 363 | $52K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 536 | $248K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 511 | $166K |
| Other(5 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 579 | $302K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 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.