| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 13.58% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 6.33% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMIN SVC | 501 FAIRMOUNT AVE #400 TOWSON, MD 21286 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 4.99% |
| DESSO FORMAN3 | 28059 US HWY 19 N STE 201 CLEARWATER, FL 33761 | KEMPER BENEFITS | $6K | — | $6K | 26.37% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | KEMPER BENEFITS | $5K | — | $5K | 25.44% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | KEMPER BENEFITS | $3K | $488 | $4K | 16.97% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT INSURANCE ADVISORS | 11350 MCCORMICK ROAD EP3 STE 501 HUNT VALLEY, MD 21031 | KEMPER BENEFITS | $2K | — | $2K | 11.29% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $478 | $3K | 18.65% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST. MORRIS, IA 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 7.40% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMIN SVC | 501 FAIRMOUNT AVE #400 TOWSON, MD 21286 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $800 | $800 | 5.02% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $440 | $2K | 18.26% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST. MORRIS, IA 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $982 | $982 | 7.26% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMIN SVC | 501 FAIRMOUNT AVE #400 TOWSON, MD 21286 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $677 | $677 | 5.01% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $403 | $2K | 18.68% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST. MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $989 | $989 | 7.45% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMIN SVC | 501 FAIRMOUNT AVE #400 TOWSON, MD 21286 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $666 | $666 | 5.01% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $623 | $377 | $1K | 8.33% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST. MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $758 | $758 | 6.31% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMIN SVC | 501 FAIRMOUNT AVE #400 TOWSON, MD 21286 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $598 | $598 | 4.98% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK RD STE 500 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 | $586 | $147 | $733 | 6.26% |
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 | 286 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 161 | $50K |
| Vision | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 160 | $12K |
| Life insurance(3 contracts, 3 carriers) | KEMPER BENEFITS | 257 | $46K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $16K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 50 | $13K |
| Other(2 contracts, 2 carriers) | KEMPER BENEFITS | 257 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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.