| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| S J BENEFITS GROUP INC3 | 2200 SOUTH MAIN ST STE 100 LOMBARD, IL 60148 | UNITED HEALTHCARE | $4K | $62K | $66K | 5.21% |
| S J BENEFITS GROUP INC3 | 2200 SOUTH MAIN ST STE 100 LOMBARD, IL 60148 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| S J BENEFITS GROUP INC3 | 2200 SOUTH MAIN ST STE 100 LOMBARD, IL 60148 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| DAVID J MCCLELLAN3 Filed as: DAVID E WYATT | 1011 N 49TH AVE OMAHA, NE 68132 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $31 | — | $31 | 3.13% |
| DIANE G. DAVIDSON3 Filed as: DIANE G DAVIDSON | 72 HIGH STREET BUTLER, NJ 07405 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $7 | — | $7 | 0.71% |
| FRANK M DARTEE3 | 12 MOONSHADOW CT KINNELON, NJ 07405 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $6 | — | $6 | 0.61% |
| ROBERT G. RELPH AGENCY, INC. Filed as: ROBERT E ELLIS | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $5 | — | $5 | 0.51% |
| CYD M WYATT3 | 1011 N 49TH AVE OMAHA, NE 68132 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $4 | — | $4 | 0.40% |
| RK HUGHES INC | 185 KINGSLAND ST PO BOX 67 NUTLEY, NJ 07110 | CIGNA GROUP INSURANCE | — | — | $0 | 0.00% |
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 | 297 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE | 297 | $1.3M |
| Dental | UNITED HEALTHCARE | 297 | $1.3M |
| Vision | UNITED HEALTHCARE | 297 | $1.3M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 149 | $17K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 150 | $26K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 149 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.