| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B ST 516 SAN DIEGO, CA 92101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY - CORE | $96K | $29K | $126K | 18.13% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY - CORE | — | $41K | $41K | 5.88% |
| BRANDON PENKO3 Filed as: BRANDON T PENKO | 4927 MAGNOLIA BEND DR ROSHARON, TX 77583 | LINCOLN NATIONAL LIFE INSURANCE COMPANY-CRITICAL ILLNESS 686053 | $44K | — | $44K | 40.02% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY-CRITICAL ILLNESS 686053 | $15K | $12K | $27K | 24.61% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B ST FL 6 SAN DIEGO, CA 92101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY-CRITICAL ILLNESS 686053 | $15K | $2K | $17K | 15.25% |
| BRANDON PENKO3 Filed as: BRANDON T PENKO | 4927 MAGNOLIA BEND DR ROSHARON, TX 77583 | LINCOLN NATIONAL LIFE INSURANCE COMPANY-HOSPITAL INDEMNITY 686055 | $38K | — | $38K | 37.40% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY-HOSPITAL INDEMNITY 686055 | $13K | $12K | $25K | 23.90% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B ST FL 6 SAN DIEGO, CA 92101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY-HOSPITAL INDEMNITY 686055 | $13K | $2K | $15K | 14.61% |
| BRANDON PENKO3 Filed as: BRANDON T PENKO | 4927 MAGNOLIA BEND DR ROSHARON, TX 775836093 | LINCOLN NATIONAL LIFE INSURANCE COMPANY-ACCIDENT 686054 | $36K | — | $36K | 37.27% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY-ACCIDENT 686054 | $12K | $11K | $23K | 23.85% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B ST FL 6 SAN DIEGO, CA 92101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY-ACCIDENT 686054 | $12K | $2K | $14K | 14.56% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIANT INSURRANCE SERVICES, INC EIN 33-0785439 BROKER | Other commissions Service code 55 | 701 B ST FL6 SAN DIEGO, CA 92101 | $128K |
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 | 934 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 940 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY - CORE | 1,669 | $694K |
| Short-term disability(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY - CORE | 1,669 | $902K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY - CORE | 1,669 | $694K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 929 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,669 | — |
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.