| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTRO BENEFITS RESEARCH LLC Filed as: CENTRO BENIFITS GROUP | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 3.85% |
| ASSUREDPARTNERS Filed as: ASSUREDPARTNERS OF PENNSYLVANIA, LL | 1301 GRANDVIEW AVENUE STE 400 PITTSBURGH, PA 15211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 3.11% |
| DMC BENEFITS INC | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 2.95% |
| CENTRO BENEFITS RESEARCH LLC Filed as: CENTRO BENIFITS GROUP | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.64% |
| CENTRO BENEFITS RESEARCH LLC Filed as: CENTRO BENIFITS GROUP | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $528 | $528 | 0.41% |
| ASSUREDPARTNERS Filed as: ASSUREDPARTNERS OF PENNSYLVANIA, LL | 1301 GRANDVIEW AVENUE STE 400 PITTSBURGH, PA 15211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 9.07% |
| CENTRO BENEFITS RESEARCH LLC Filed as: CENTRO BENIFITS GROUP | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 3.87% |
| DMC BENEFITS INC | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 2.94% |
| CENTRO BENEFITS RESEARCH LLC Filed as: CENTRO BENIFITS GROUP | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $839 | $839 | 1.65% |
| CENTRO BENEFITS RESEARCH LLC Filed as: CENTRO BENIFITS GROUP | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $212 | $212 | 0.42% |
| ASSUREDPARTNERS Filed as: ASSUREDPARTNERS OF PENNSYLVANIA, LL | 1301 GRANDVIEW AVENUE STE 400 PITTSBURGH, PA 15211 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 25.29% |
| CENTRO BENEFITS RESEARCH LLC Filed as: CENTRO BENIFITS GROUP | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.00% |
| ASSUREDPARTNERS Filed as: ASSUREDPARTNERS OF PENNSYLVANIA, LL | 1301 GRANDVIEW AVENUE STE 400 PITTSBURGH, PA 15211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.51% |
| CENTRO BENEFITS RESEARCH LLC Filed as: CENTRO BENIFITS GROUP | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 4.06% |
| DMC BENEFITS INC | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 2.92% |
| CENTRO BENEFITS RESEARCH LLC Filed as: CENTRO BENIFITS GROUP | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $579 | $579 | 1.66% |
| CENTRO BENEFITS RESEARCH LLC Filed as: CENTRO BENIFITS GROUP | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $506 | $506 | 1.45% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF PENNSYLVANIA, LL | 1301 GRANDVIEW AVENUE STE 400 PITTSBURGH, PA 15211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENIFITS GROUP | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 3.71% |
| DMC BENEFITS INC | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $910 | $910 | 2.97% |
| CENTRO BENEFITS RESEARCH LLC Filed as: CENTRO BENIFITS GROUP | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $498 | $498 | 1.62% |
| CENTRO BENEFITS RESEARCH LLC Filed as: CENTRO BENIFITS GROUP | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $126 | $126 | 0.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASSUREDPARTNERS OF PA LLC BROKER | Insurance agents and brokers Service code 22 | 1301 GRANDVIEW AVE SUITE 400 PITTSBURGH, PA 15211 | $117K |
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 | 510 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 510 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 510 | $3.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 346 | $42K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 346 | $42K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 396 | $65K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 396 | $51K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 396 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 510 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.