| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 7.29% |
| DENNIS R. SHIELS & ASSOCIATES INC.3 Filed as: DENNIS R. SHIELS & ASSOC INC | 9200 MONTGOMERY RD. BLDG E #17B CINCINNATI, OH 45242 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $5K | 5.71% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | P.O. BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.71% |
| DENNIS R. SHIELS & ASSOCIATES INC.3 | 9200 MONTGOMERY RD., BLDG. E STE. #17B CINCINNATI, OH 45242 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 17.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 7.06% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | P.O. BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 3.41% |
| DENNIS R. SHIELS & ASSOCIATES INC.3 Filed as: DENNIS R SHIELS & ASSOC INC | 3825 EDWARDS RD. STE. 103 CINCINNATI, OH 45209 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 19.09% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 7.67% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BNFT ADMINSTRS INC | PO BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 3.41% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 7.05% |
| DENNIS R. SHIELS & ASSOCIATES INC.3 Filed as: DENNIS R. SHIELS & ASSOC INC | 9200 MONTGOMERY RD., BLDG E #17B MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $985 | — | $985 | 6.37% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | P.O. BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $527 | $527 | 3.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORNERSTONE BENEFITS EIN 31-1066968 NONE | Insurance brokerage commissions and fees Service code 53 | — | $89K |
| EMPLOYEE BENEFIT MANAGEMENT SERVICE EIN 81-0391258 NONE | Contract Administrator; Other fees; Other services Service code 13 | — | $85K |
| SHARX, LLC EIN 84-3019478 NONE | Other fees; Other services; Plan Administrator Service code 14 | — | $48K |
| HEALTH2BUSINESS EIN 83-4655213 NONE | Contract Administrator; Other services; Insurance brokerage commissions and fees Service code 13 | — | $20K |
| MERCY HEALTH PHYSICIANS CINCINNATI EIN 31-1007881 NONE | Insurance brokerage commissions and fees; Other services; Contract Administrator Service code 13 | — | $9K |
| MEDICAL MUTUAL OF OHIO EIN 34-0648820 NONE | Contract Administrator; Insurance brokerage commissions and fees; Other services Service code 13 | — | $7K |
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 | 251 | 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) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 188 | $85K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 172 | $15K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 80 | $31K |
| Stop-loss / reinsurancereinsurance | BERKLEY ACCIDENT & HEALTH INSURANCE | 165 | $502K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 189 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.