| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 3750 PRIORITY WAY SOUTH DRIVE INDIANAPOLIS, IN 46240 | ANTHEM INSURANCE COMPANIES, INC. | $0 | $4K | $4K | 3.16% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 571 MONON BOULEVARD SUITE 400 CARMEL, IN 46032 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $1K | $7K | 18.39% |
| PLANSOURCE BENEFITS ADMN INC3 Filed as: PLANSOURCE BENEFITS ADMN INC. | 701 XENIA AVENUE SOUTH SUITE 150 MINNEAPOLIS, MN 55416 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 571 MONON BOULEVARD SUITE 400 CARMEL, IN 46032 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $631 | $4K | 18.03% |
| PLANSOURCE BENEFITS ADMN INC3 Filed as: PLANSOURCE BENEFITS ADMN INC. | 701 XENIA AVENUE SOUTH SUITE 150 MINNEAPOLIS, MN 55416 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.00% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 571 MONON BOULEVARD SUITE 400 CARMEL, IN 46032 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $641 | $4K | 18.10% |
| PLANSOURCE BENEFITS ADMN INC3 Filed as: PLANSOURCE BENEFITS ADMN INC. | 701 XENIA AVENUE SOUTH SUITE 150 MINNEAPOLIS, MN 55416 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.00% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 571 MONON BOULEVARD SUITE 400 CARMEL, IN 46032 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $4K | 23.26% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 571 MONON BOULEVARD SUITE 400 CARMEL, IN 46032 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $282 | $5K | 60.14% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 571 MONON BOULEVARD SUITE 400 CARMEL, IN 46032 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $308 | $5K | 63.47% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 571 MONON BOULEVARD SUITE 400 CARMEL, IN 46032 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $610 | $154 | $764 | 18.78% |
| PLANSOURCE BENEFITS ADMN INC3 Filed as: PLANSOURCE BENEFITS ADMN INC. | 701 XENIA AVENUE SOUTH SUITE 150 MINNEAPOLIS, MN 55416 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $203 | $203 | 4.99% |
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 | 795 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 796 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM INSURANCE COMPANIES, INC. | 478 | $128K |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 478 | $128K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 795 | $42K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 145 | $23K |
| Other(5 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 795 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 795 | — |
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.