| 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 | $5K | — | $5K | 9.58% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.77% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BENEFIT ADM. INC. | P.O. BOX 9201 AUSTIN, TX 78766 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 4.44% |
| DESSO FORMAN3 | 28059 US HWY 19 N STE 201 CLEARWATER, FL 33761 | KEMPER BENEFITS | $10K | — | $10K | 47.86% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT INSURANCE ADVISORS | 11350 MCCORMICK ROAD EP3 STE 501 HUNT VALLEY, MD 21031 | KEMPER BENEFITS | $4K | — | $4K | 20.49% |
| 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 | — | $2K | 14.37% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST. MORRIS, IA 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 6.85% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BENEFIT ADM. INC. | P.O. BOX 9201 AUSTIN, TX 78766 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $748 | $748 | 4.44% |
| 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 | — | $2K | 15.01% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST. MORRIS, IA 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 7.02% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BENEFIT ADM. INC. | P.O. BOX 9201 AUSTIN, TX 78766 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $696 | $696 | 4.44% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT INSURANCE ADVISORS | 11350 MCCORMICK RD EXEC PLAZA 3, STE 501 HUNT VALLEY, MD 21031 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST. MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $733 | — | $733 | 5.00% |
| 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 | — | $2K | 14.38% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST. MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $988 | $988 | 6.89% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BENEFIT ADM. INC. | P.O. BOX 9201 AUSTIN, TX 78766 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $637 | $637 | 4.45% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST. MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $739 | $739 | 5.77% |
| 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 | $614 | — | $614 | 4.79% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BENEFIT ADMNSTERS | PO BOX 9201 AUSTIN, TX 78766 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $569 | $569 | 4.44% |
| DESSO FORMAN3 | 28059 US HWY 19 N STE 201 CLEARWARER, FL 33761 | KEMPER FSL | $537 | — | $537 | 10.46% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT INSURANCE ADVISORS | 11350 MCCORMICK ROAD EP3 STE 501 HUNT VALLEY, MD 21031 | KEMPER FSL | $230 | — | $230 | 4.48% |
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 | 321 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 150 | $53K |
| Vision | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 143 | $13K |
| Life insurance(3 contracts, 3 carriers) | KEMPER BENEFITS | 265 | $52K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 75 | $17K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 31 | $14K |
| Other(3 contracts, 3 carriers) | KEMPER BENEFITS | 265 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.