| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 650 EAST CARMEL DR STE 350 CARMEL, IN 46032 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $179K | $358K | $537K | 6.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVCES | 2850 GOLF RD 9TH FL ROLLING MEADOWS, IL 60008 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $30K | $30K | 0.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 650 EAST CARMEL DR STE 350 CARMEL, IN 46032 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $142K | $285K | $427K | 6.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVCES | 2850 GOLF RD 9TH FL ROLLING MEADOWS, IL 60008 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $30K | $30K | 0.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 650 EAST CARMEL DR STE 350 CARMEL, IN 46032 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $117K | $233K | $350K | 6.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVCES | 2850 GOLF RD 9TH FL ROLLING MEADOWS, IL 60008 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $30K | $30K | 0.51% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 34104 | HM LIFE INSURANCE COMPANY (DAVIS VISION) | $265K | — | $265K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 650 EAST CARMEL DR STE 350 CARMEL, IN 46032 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $42K | $85K | $127K | 6.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD 9TH FL ROLLING MEADOWS, IL 60008 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $30K | $30K | 1.42% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | HCC LIFE INSURANCE COMPANY | — | $21K | $21K | 2.00% |
| C2 CENTRIC LLC3 Filed as: C2 CENTRIC, LLC | 2209 GODWIN AVENUE SE GRAND RAPIDS, MI 49507 | HCC LIFE INSURANCE COMPANY | — | $10K | $10K | 1.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | TWO PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $500K | — | $500K | 49.63% |
| MICHAEL C WALKER3 Filed as: MICHAEL J ZIMMERMAN | 11225 COLLEGE BLVD SUITE 105 OVERLAND PARK, KS 66210 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $280K | — | $280K | 27.79% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS, INC. | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 34104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $93K | — | $93K | 19.88% |
| MANNING JERRY3 | 220 N S GREEN ST CHICAGO, IL 60607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $93K | — | $93K | 19.88% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS, LLC | 2189 N ILLINOIS ROUTE 83 #110 ROUND LAKE BEACH, IL 60073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $47K | — | $47K | 9.94% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 Filed as: EMPOWER BENEFITS, INC. CORESTREAM | 5404 CYPRESS CENTER DR STE 130 TAMPA, FL 336091021 | METROPOLITAN LIFE INSURANCE COMPANY | $95K | $9K | $103K | 22.04% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 Filed as: EMPOWER BENEFITS, INC. CORESTREAM | 5404 CYPRESS CENTER DR ST 130 TAMPA, FL 33609 | METROPOLITAN LIFE INSURANCE COMPANY | $55K | $4K | $59K | 24.92% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 Filed as: EMPOWER BENEFITS, INC. CORESTREAM | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 34104 | METROPOLITAN LIFE INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS, INC. | 3606 ENTERPRISE AVE. SUITE 304 NAPLES, FL 34104 | LEGAL PLANS, USA | $19K | — | $19K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 3 RADNOR CORPORATE CENTER SUITE 100 RADNOR, PA 19087 | ZURICH AMERICAN INSURANCE COMPANY | $722 | — | $722 | 19.99% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS, INC. | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 34104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $109 | — | $109 | 7.14% |
| MANNING JERRY3 | 220 N S GREEN ST CHICAGO, IL 60607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $109 | — | $109 | 7.14% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS, LLC | 2189 N ILLINOIS ROUTE 83 #110 ROUND LAKE BEACH, IL 60073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $55 | — | $55 | 3.60% |
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 | 24,930 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 334 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 25,264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 1,327 | $469K |
| Vision | HM LIFE INSURANCE COMPANY (DAVIS VISION) | 39,000 | $2.7M |
| Life insurance(4 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 25,463 | $8.4M |
| Short-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 16,181 | $10.0M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 20,996 | $7.1M |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 22,183 | $1.0M |
| Other(8 contracts, 6 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 22,407 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 39,000 | — |
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.
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.