| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1000 EAST WARRENVILLE RD., STE. 230 NAPERVILLE, IL 60563 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.75% |
| THE MILSTEIN COMPANY3 | 104 RIVERSHIRE LANE LINCOLNSHIRE, IL 60069 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 EAST CARMEL DR. SUITE 350 CARMEL, IN 460323009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $54 | $54 | 0.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1000 EAST WARRENVILLE RD., STE. 230 NAPERVILLE, IL 60563 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.41% |
| THE MILSTEIN COMPANY3 | 104 RIVERSHIRE LANE LINCOLNSHIRE, IL 60069 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HIGHTS, IL 600063009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $522 | $522 | 1.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 EAST CARMEL DR. SUITE 350 CARMEL, IN 460323009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $19 | $19 | 0.05% |
| THE MILSTEIN COMPANY3 Filed as: THE MILSTEIN COMPANY, INC. | 104 RIVERSHIRE LANE LINCOLNSHIRE, IL 60069 | VISION SERVICE PLAN | $974 | — | $974 | 5.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1000 EAST WARRENVILLE RD., STE. 230 NAPERVILLE, IL 60563 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $840 | — | $840 | 7.50% |
| THE MILSTEIN COMPANY3 | 104 RIVERSHIRE LANE LINCOLNSHIRE, IL 60069 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $840 | — | $840 | 7.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HIGHTS, IL 600063009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $143 | $143 | 1.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 EAST CARMEL DR. SUITE 350 CARMEL, IN 460323009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6 | $6 | 0.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.69% |
| THE MILSTEIN COMPANY3 | 104 RIVERSHIRE LANE LINCOLNSHIRE, IL 60069 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $205 | $205 | 1.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.66% |
| THE MILSTEIN COMPANY3 | 104 RIVERSHIRE LANE LINCOLNSHIRE, IL 60069 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $192 | $192 | 2.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1000 EAST WARRENVILLE RD., STE. 230 NAPERVILLE, IL 60563 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $266 | — | $266 | 7.51% |
| THE MILSTEIN COMPANY3 | 104 RIVERSHIRE LANE LINCOLNSHIRE, IL 60069 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $266 | — | $266 | 7.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $51 | $51 | 1.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 EAST CARMEL DR. SUITE 350 CARMEL, IN 460323009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2 | $2 | 0.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1000 EAST WARRENVILLE RD., STE. 230 NAPERVILLE, IL 60563 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $176 | — | $176 | 4.99% |
| THE MILSTEIN COMPANY3 | 104 RIVERSHIRE LANE LINCOLNSHIRE, IL 60069 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $176 | — | $176 | 4.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HIGHTS, IL 600063009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $51 | $51 | 1.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 EAST CARMEL DR. SUITE 350 CARMEL, IN 460323009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2 | $2 | 0.06% |
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 | 307 | 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) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 136 | $17K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 307 | $18K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 108 | $108K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 94 | $38K |
| Other(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 307 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.