| 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 | 8.02% |
| 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 | 6.41% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | P.O. BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.58% |
| DENNIS R. SHIELS & ASSOCIATES INC.3 | 9200 MONTGOMERY RD., BLDG. E STE. #17B CINCINNATI, OH 45242 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 17.31% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 7.29% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | P.O. BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.16% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST. STE. #17B MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 7.93% |
| 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 | $960 | — | $960 | 7.14% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | P.O. BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $424 | $424 | 3.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORNERSTONE BENEFITS EIN 31-1066968 NONE | Insurance brokerage commissions and fees Service code 53 | — | $73K |
| EMPLOYEE BENEFIT MANAGEMENT SERVICE EIN 81-0391256 NONE | Insurance brokerage commissions and fees; Other services; Contract Administrator Service code 13 | — | $72K |
| SHARX, LLC EIN 84-3019478 NONE | Other services; Plan Administrator; Other fees Service code 14 | — | $45K |
| HEALTH2BUSINESS EIN 83-4655213 NONE | Insurance brokerage commissions and fees; Other services; Contract Administrator Service code 13 | — | $26K |
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 | 241 | 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) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 183 | $70K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 161 | $13K |
| Stop-loss / reinsurancereinsurance | BERKLEY ACCIDENT & HEALTH INSURANCE | 160 | $415K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 179 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.