| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: FIRST PERSON INC | 8900 KEYSTONE CROSSING SUITE 900 INDIANAPOLIS, IN 46240 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $12K | $12K | 5.02% |
| TOTALIS BENEFITS3 | 500 W MADISON AVE 32ND FL CHICAGO, IL 60661 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $10K | $10K | 4.00% |
| ENROLLEASE3 Filed as: FIRST PERSON INC | 8900 KEYSTONE CROSSING SUITE 900 INDIANAPOLIS, IN 46240 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.74% |
| ENROLLEASE3 Filed as: FIRST PERSON INC | 8900 KEYSTONE CROSSING SUITE 900 INDIANAPOLIS, IN 46240 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 4.95% |
| TOTALIS BENEFITS3 | 500 W MADISON AVE 32ND FL CHICAGO, IL 60661 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 4.84% |
| TOTALIS BENEFITS3 | 500 W MADISON AVE 32ND FL CHICAGO, IL 60661 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $832 | $832 | 5.72% |
| ENROLLEASE3 Filed as: FIRST PERSON INC | 8900 KEYSTONE CROSSING SUITE 900 INDIANAPOLIS, IN 46240 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $825 | $825 | 5.67% |
| TOTALIS BENEFITS3 | 500 W MADISON AVE 32ND FL CHICAGO, IL 60661 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $806 | $806 | 5.65% |
| ENROLLEASE3 Filed as: FIRST PERSON INC | 8900 KEYSTONE CROSSING SUITE 900 INDIANAPOLIS, IN 46240 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $803 | $803 | 5.62% |
| CHARLES D. BLOCK3 Filed as: CHARLES BLOCK | 648 VILLAGE PARK DR UNITE 208 WILMINGTON, NC 28405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $38 | $0 | $38 | 2.77% |
| JAMES H. VAN EPPS3 Filed as: JAMES H VAN EPPS | 10930 CRABAPPLE RD STE 206 ROSWELL, GA 30075 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $38 | $0 | $38 | 2.77% |
| ENROLLEASE3 Filed as: FIRST PERSON INC | 8900 KEYSTONE CROSSING SUITE 900 INDIANAPOLIS, IN 46240 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32 | $0 | $32 | 2.33% |
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 | 650 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 650 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 650 | $96K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 496 | $241K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 496 | $14K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 116 | $31K |
| Other(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 499 | $257K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 650 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.