| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: INNOTECH WILLIS OF IL | 233 SOUTH WACKER SUITE 1875 CHICAGO, IL 60606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $282K | — | $282K | 19.97% |
| THE HEALY GROUP INC.3 | 17535 GENERATIONS DRIVE SOUTH BEND, IN 46635 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $151K | $23K | $174K | 12.34% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC. | 35371 NETWORK PLACE CHICAGO, IL 606731353 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $295K | — | $295K | 26.47% |
| THE HEALY GROUP INC.3 | 17535 GENERATIONS DRIVE SOUTH BEND, IN 46635 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $162K | — | $162K | 14.52% |
| CHRISTOPHER O GLAUB3 Filed as: CHRISTOPHER ROWLAND | 53800 GENERATIONS DRIVE SOUTH BEND, IN 46635 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $425 | — | $425 | 0.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: INNOTECH WILLIS OF IL | 233 SOUTH WACKER SUITE 1875 CHICAGO, IL 60606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $217K | — | $217K | 21.55% |
| THE HEALY GROUP INC.3 | 17535 GENERATIONS DRIVE SOUTH BEND, IN 46635 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $117K | $23K | $140K | 13.86% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 0 | $1.1M |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,290 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,290 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.