| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT INSURANCE ADVISORS | 11350 MCCORMICK RD EXEC PLAZA 3, STE 501 HUNT VALLEY, MD 21031 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $760 | $5K | 10.95% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.05% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BENEFIT ADM. INC. | P.O. BOX 9201 AUSTIN, TX 78766 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 3.41% |
| MARK S METTILLE3 Filed as: MARK S. METTILLE | 422 WAUPONSEE ST. MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $507 | $507 | 1.23% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT INSURANCE ADVISORS | 11350 MCCORMICK RD EXEC PLAZA 3, STE 501 HUNT VALLEY, MD 21031 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $425 | $2K | 17.10% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST. MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $556 | $556 | 4.54% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BENEFIT ADM. INC. | P.O. BOX 9201 AUSTIN, TX 78766 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $476 | $476 | 3.89% |
| MARK S METTILLE3 Filed as: MARK S. METTILLE | 422 WAUPONSEE ST. MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $284 | $284 | 2.32% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT INSURANCE ADVISORS | 11350 MCCORMICK RD EXEC PLAZA 3, STE 501 HUNT VALLEY, MD 21031 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $473 | $2K | 17.52% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST. MORRIS, IA 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $557 | $557 | 4.55% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BENEFIT ADM. INC. | P.O. BOX 9201 AUSTIN, TX 78766 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $480 | $480 | 3.92% |
| MARK S METTILLE3 Filed as: MARK S. METTILLE | 422 WAUPONSEE ST. MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $315 | $315 | 2.57% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT INSURANCE ADVISORS | 11350 MCCORMICK RD EXEC PLAZA 3, STE 501 HUNT VALLEY, MD 21031 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $419 | $2K | 20.10% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST. MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $663 | $663 | 5.53% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BENEFIT ADM. INC. | P.O. BOX 9201 AUSTIN, TX 78766 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $465 | $465 | 3.88% |
| MARK S METTILLE3 | 422 WAUPONSEE ST. MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $279 | $279 | 2.33% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT INSURANCE ADVISORS | 11350 MCCORMICK RD EXEC PLAZA 3, STE 501 HUNT VALLEY, MD 21031 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $451 | $174 | $625 | 6.27% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST. MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $451 | $451 | 4.53% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BENEFIT ADM. INC. | P.O. BOX 9201 AUSTIN, TX 78766 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $387 | $387 | 3.89% |
| MARK S METTILLE3 Filed as: MARK S. METTILLE | 422 WAUPONSEE ST. MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $116 | $116 | 1.16% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT INSURANCE ADVISORS | 11350 MCCORMICK RD EXEC PLAZA 3, STE 501 HUNT VALLEY, MD 21031 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $390 | $2K | 21.08% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST. MORRIS, IA 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $566 | $566 | 5.72% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BENEFIT ADM. INC. | P.O. BOX 9201 AUSTIN, TX 78766 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $390 | $390 | 3.94% |
| MARK S METTILLE3 Filed as: MARK S. METTILLE | 422 WAUPONSEE ST. MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $260 | $260 | 2.63% |
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 | 245 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 107 | $41K |
| Vision | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 113 | $10K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 254 | $12K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 52 | $12K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 33 | $12K |
| Other(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 254 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.