| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS | $18K | — | $18K | 1.87% |
| WHARTON BENEFITS INC3 | 110 NORTH PHOENIXVILLE PIKE MALVERN, PA 19335 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 2.99% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | FINANCIAL SERVICES LLC 12404 PARK CENTRAL DR., SUITE 400S DALLAS, TX 75251 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $812 | $812 | 2.01% |
| WHARTON BENEFITS INC3 | 110 NORTH PHOENIXVILLE PIKE MALVERN, PA 19335 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $232 | $232 | 3.18% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | FINANCIAL SERVICES LLC 12404 PARK CENTRAL DR., SUITE 400S DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $132 | $132 | 1.81% |
| WHARTON BENEFITS INC3 | 110 NORTH PHOENIXVILLE PIKE MALVERN, PA 19335 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $373 | — | $373 | 14.99% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $84 | $84 | 3.38% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | FINANCIAL SERVICES LLC 12404 PARK CENTRAL DR., SUITE 400S DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $41 | $41 | 1.65% |
| WHARTON BENEFITS INC3 | 110 NORTH PHOENIXVILLE PIKE MALVERN, PA 19335 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $292 | — | $292 | 14.97% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $63 | $63 | 3.23% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | FINANCIAL SERVICES LLC 12404 PARK CENTRAL DR., SUITE 400S DALLAS, TX 75251 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $34 | $34 | 1.74% |
| WHARTON BENEFITS INC3 | 110 NORTH PHOENIXVILLE PIKE MALVERN, PA 19335 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $269 | — | $269 | 14.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $63 | $63 | 3.28% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | FINANCIAL SERVICES LLC 12404 PARK CENTRAL DR., SUITE 400S DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $33 | $33 | 1.72% |
| WHARTON BENEFITS INC3 | 110 NORTH PHOENIXVILLE PIKE MALVERN, PA 19335 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $177 | — | $177 | 14.96% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $39 | $39 | 3.30% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | FINANCIAL SERVICES LLC 12404 PARK CENTRAL DR., SUITE 400S DALLAS, TX 75251 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3 | $3 | 0.25% |
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 | 100 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 125 | $976K |
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 67 | $40K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 48 | $8K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 48 | $4K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 14 | $2K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 125 | $976K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 48 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.