| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $68K | — | $68K | 5.00% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | — | $21K | 5.00% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 5.00% |
| MYRIAD BENEFITS INC3 | — | TRIPLE S SALUD, INC. | $7K | — | $7K | 5.00% |
| MYRIAD BENEFITS INC3 Filed as: MYRIAD BENEFITS | P.O. BOX 1377 GUAYNABO, PR 00970 | HUMANA INSURANCE OF PUERTO RICO, INC. | $4K | — | $4K | 5.86% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFIT LLC | 1166 AVE OF AMERICAS 22F NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $6K | — | $6K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LINCOLN NATIONAL LIFE INSURANCE CO. EIN 35-0472300 ADVICE SERVICES | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 8801 INDIAN HILLS DRIVE OMAHA, NE 68114 | $35K |
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 | 2,695 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,720 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 28 | $198K |
| Dental(2 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 28 | $198K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,695 | $1.4M |
| Short-term disability | WESCO INSURANCE COMPANY | 27 | $713 |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,458 | $418K |
| Prescription drug(2 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 28 | $198K |
| Other(6 contracts, 5 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,600 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,600 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.