| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT CONSULTING LLC3 Filed as: EMPLOYEE BENEFIT CONSULTING, LLC | 8646 EAGLE CIRCLE CREEK, SUITE 106 SAVAGE, MN 55378 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | $0 | $20K | 10.70% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC. | 1980 FESTIVAL PLAZA DRIVE SUITE 810 LAS VEGAS, NV 89135 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 3.26% |
| B & C CONSULTING LLC3 Filed as: B AND C CONSULTING, LLC | 8646 EAGLE CREEK CIRCLE SAVAGE, MN 55378 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.85% |
| B & C CONSULTING LLC3 Filed as: B AND C CONSULTING, LLC | 8646 EAGLE CREEK CIRCLE, SUITE 106 SAVAGE, MN 55378 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $278 | $0 | $278 | 0.15% |
| B & C CONSULTING LLC3 Filed as: B AND C CONSULTING, LLC | 8646 EAGLE CREEK CIRCLE SAVAGE, MN 55378 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 9.84% |
| EMPLOYEE BENEFIT CONSULTING LLC3 Filed as: EMPLOYEE BENEFIT CONSULTING, LLC | 8646 EAGLE CIRCLE CREEK, SUITE 106 SAVAGE, MN 55378 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $204 | $0 | $204 | 0.85% |
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 | 370 | 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) | 370 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 490 | $24K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 370 | $186K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 370 | $186K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 370 | $186K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 370 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 490 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.