| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AFORE INSURANCE SERVICES LLC3 | 11844 BANDERA RD #429 HELOTES, TX 78023 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $733 | $8K | 11.03% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.00% |
| AFORE INSURANCE SERVICES LLC3 | 11844 BANDERA RD #429 HELOTES, TX 78023 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $520 | $3K | 12.14% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD STE 200 HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.00% |
| AFORE INSURANCE SERVICES LLC3 | 11844 BANDERA RD #429 HELOTES, TX 78023 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $447 | $3K | 11.95% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.00% |
| AFORE INSURANCE SERVICES LLC3 | 11844 BANDERA RD #429 HELOTES, TX 78023 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $169 | $2K | 10.98% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $859 | $859 | 5.00% |
| AFORE INSURANCE SERVICES LLC3 | 11844 BANDERA RD #429 HELOTES, TX 78023 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $718 | $325 | $1K | 7.26% |
| PROFESSIONAL GROUP PLANS INC3 | ATTN KIM ROMAN 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $718 | $718 | 5.00% |
| AFORE INSURANCE SERVICES LLC3 | 11844 BANDERA RD #429 HELOTES, TX 78023 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $318 | $2K | 12.48% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD STE 200 HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $641 | $641 | 5.00% |
| AFORE INSURANCE SERVICES LLC3 | 11844 BANDERA RD #429 HELOTES, TX 78023 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $205 | $1K | 11.99% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $516 | $516 | 5.00% |
| AFORE INSURANCE SERVICES LLC3 | 11844 BANDERA RD #429 HELOTES, TX 78023 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $869 | $84 | $953 | 10.96% |
| AFORE INSURANCE SERVICES LLC3 | 11844 BANDERA RD #429 HELOTES, TX 78023 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $514 | $106 | $620 | 12.06% |
| PROFESSIONAL GROUP PLANS INC3 | ATTN KIM ROMAN 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $257 | $257 | 5.00% |
| AFORE INSURANCE SERVICES LLC3 | 11844 BANDERA RD #429 HELOTES, TX 78023 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $460 | $102 | $562 | 12.23% |
| PROFESSIONAL GROUP PLANS INC3 | ATTN KIM ROMAN 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $230 | $230 | 5.00% |
| SA BENEFIT SERVICES3 | A DIVISION OF AFORE INSUR. SERVICES 11844 BANDERA RD #429 HELOTES, TX 78023 | METLIFE LEGAL PLANS | $380 | — | $380 | 8.58% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | METLIFE LEGAL PLANS | $0 | $61 | $61 | 1.38% |
| SA BENEFIT SERVICES3 | A DIVISION OF AFORE INSUR. SERVICES 11844 BANDERA RD #429 HELOTES, TX 78023 | METLIFE LEGAL PLANS | $0 | $6 | $6 | 0.14% |
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 | 168 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 56 | $88K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 77 | $9K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $36K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 39 | $10K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 168 | $24K |
| Other(5 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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.
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.