| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRIESTER ROSSMAN & ASSOC INC3 | PO BOX 230 WAYNE, PA 19087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 3.00% |
| ELIZABETH SCHENK3 | PO BOX 1568 WINDERMERE, FL 34786 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.00% |
| TRIESTER ROSSMAN & ASSOC INC3 | PO BOX 230 WAYNE, PA 19087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.71% |
| ELIZABETH A SCHENK3 Filed as: ELIZABETH SHENK | PO BOX 1568 WINDERMERE, FL 34786 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| TRIESTER ROSSMAN & ASSOC INC3 | P.O. BOX 230 WAYNE, PA 19087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 9.02% |
| ELIZABETH A SCHENK3 Filed as: ELIZABETH SHENK | PO BOX 1568 WINDERMERE, FL 34786 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| TRIESTER ROSSMAN & ASSOC INC3 | PO BOX 230 WAYNE, PA 19087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.93% |
| ELIZABETH SCHENK3 | PO BOX 1568 WINDERMERE, FL 34786 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| TRIESTER ROSSMAN & ASSOC INC3 Filed as: TRIESTER ROSSMAN & ASSOCIATES | PO BOX 230 WAYNE, PA 19087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| TRIESTER ROSSMAN & ASSOC INC3 Filed as: TRIESTER ROSSMAN & ASSOCIATES | PO BOX 230 WAYNE, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.95% |
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 | 192 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 137 | $176K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 154 | $25K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 159 | $25K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 154 | $50K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 159 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.