| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD #410 MEMPHIS, TN 38120 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | — | $15K | 11.25% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER AND COMPANY | 606 S MENDENHALL RD #200 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $971 | — | $971 | 0.75% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $518 | $518 | 0.40% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD #410 MEMPHIS, TN 38120 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 14.19% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER AND COMPANY | 606 S MENDENHALL RD #200 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $671 | — | $671 | 0.81% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $556 | $556 | 0.67% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD #410 MEMPHIS, TN 38120 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 13.97% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER AND COMPANY | 606 S MENDENHALL RD #200 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $699 | — | $699 | 1.03% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $583 | $583 | 0.86% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD #410 MEMPHIS, TN 38120 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.82% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $143 | $143 | 0.38% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER AND COMPANY | 606 S MENDENHALL RD #200 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $67 | — | $67 | 0.18% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD #410 MEMPHIS, TN 38120 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 14.10% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER AND COMPANY | 606 S MENDENHALL RD #200 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $186 | — | $186 | 0.90% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $164 | $164 | 0.80% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD #410 MEMPHIS, TN 38120 | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | $899 | — | $899 | 13.87% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER AND COMPANY | 606 S MENDENHALL RD #200 MEMPHIS, TN 38117 | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | $73 | — | $73 | 1.13% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | $0 | $58 | $58 | 0.90% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GROUP BENEFITS LLC INSURANCE AGENT | Insurance agents and brokers Service code 22 | 855 RIDGE LAKE BLVD #410 MEMPHIS, TN 38120 | $83K |
| LUCENT HEALTH SOLUTIONS EIN 39-1997579 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 5560 W GRANDE MARKET DR. APPLETON, WI 54913 | $79K |
| AETNA LIFE INS. COMPANY EIN 06-6033492 INSURANCE SERVICES | Insurance services Service code 23 | PO BOX 8886086 CHICAGO, IL 60695 | $75K |
| AMERICAN HEALTH HOLDINGS EIN 31-1368946 INSURANCE SERVICES | Insurance services Service code 23 | PO BOX 360142 PITTSBURGH, PA 15250 | $14K |
| AMERICAN HEALTH HOLDING EIN 31-1368946 INSURANCE SERVICES | Insurance services Service code 23 | PO BOX 360142 PITTSBURGH, PA 15250 | $9K |
| HEALTH SMART EIN 75-2727437 INSURANCE SERVICES | Insurance services Service code 23 | PO BOX 207102 DALLAS, TX 75320 | $134 |
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 | 827 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 843 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 566 | $130K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 503 | $37K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 353 | $27K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 341 | $83K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 827 | $68K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 503 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 827 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.