| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VANTAGE POINT BENEFIT STRATEGIES3 | 630 S GOVERNOR PRINTZ BLVD LESTER, PA 19029 | AETNA LIFE INSURANCE COMPANY | $0 | $21K | $21K | 2.98% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY SERIES KANSAS CITY, MO 64112 | AETNA LIFE INSURANCE COMPANY | $0 | $13K | $13K | 1.86% |
| VANTAGE POINT BENEFIT STRATEGIES3 Filed as: VANTAGE POINT BENEFIT | STRATEGIES, INC. 630 S GOVERNOR PRINTZ BLVD LESTER, PA 19029 | AETNA LIFE INSURANCE COMPANY | $0 | $61 | $61 | 0.01% |
| VANTAGE POINT BENEFIT STRATEGIES3 Filed as: VANTAGE POINT BNFT STRATEGIES | 630 S GOVERNOR PRINTZ BLVD LESTER, PA 19029 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.52% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 741738 ATLANTA, GA 303741738 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.48% |
| VANTAGE POINT BENEFIT STRATEGIES3 Filed as: VANTAGE POINT BNFT STRATEGIES | 630 S GOVERNOR PRINTZ BLVD LESTER, PA 19029 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.71% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 741738 ATLANTA, GA 303741738 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $551 | $0 | $551 | 5.29% |
| VANTAGEPOINT BENEFIT STRATEGIES3 | 630 S. GOVERNOR PRINTZ BLVD. LESTER, PA 19029 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $550 | $0 | $550 | 6.42% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3280 PEACHTREE RD NE #250 ATLANTA, GA 30305 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $370 | $0 | $370 | 4.32% |
| VANTAGE POINT BENEFIT STRATEGIES3 Filed as: VANTAGE POINT BNFT STRATEGIES | 630 S GOVERNOR PRINTZ BLVD LESTER, PA 19029 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $676 | $0 | $676 | 9.66% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 741738 ATLANTA, GA 303741738 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $373 | $0 | $373 | 5.33% |
| VANTAGE POINT BENEFIT STRATEGIES3 Filed as: VANTAGE POINT BNFT STRATEGIES | 630 S GOVERNOR PRINTZ BLVD LESTER, PA 19029 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $361 | $0 | $361 | 9.63% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 741738 ATLANTA, GA 303741738 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $201 | $0 | $201 | 5.36% |
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 | 94 | 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) | 95 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 127 | $714K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 84 | $44K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 120 | $9K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 102 | $4K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 92 | $7K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 92 | $10K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 102 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.