| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FREESTONE FINANCIAL LLC3 Filed as: FREESTONE FINANCIAL | 7975 N HAYDEN RD STE C300 SCOTTSDALE, AZ 85253 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $69K | $31K | $100K | 11.88% |
| FREESTONE FINANCIAL LLC3 Filed as: FREESTONE FINANCIAL | 8130 N 86TH PL SCOTTSDALE, AZ 85258 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $38K | $38K | 4.52% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 35371 NETWORK PLACE CHICAGO, IL 60673 | RELIASTAR LIFE INSURANCE COMPANY | $62K | — | $62K | 12.27% |
| WORKPLACE SOLUTIONS, INC.3 Filed as: WORKPLACE SOLUTIONS, INC | 120A GILLS CREEK PKWY COLUMBIA, SC 29209 | RELIASTAR LIFE INSURANCE COMPANY | $56K | — | $56K | 11.04% |
| BEAU DAVID BOUDREAUX3 Filed as: BEAU D. BOUDREAUX | 120 GILLS CREEK PARKWAY, STE A WORKPLACE SOLUTIONS COLUMBIA, SC 29209 | RELIASTAR LIFE INSURANCE COMPANY | $4K | — | $4K | 0.79% |
| FREESTONE FINANCIAL LLC3 Filed as: FREESTONE FINANCIAL | 7975 N HAYDEN RD STE C300 SCOTTSDALE, AZ 85253 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | $15K | $44K | 10.96% |
| FREESTONE FINANCIAL LLC3 Filed as: FREESTONE FINANCIAL | 8130 N 86TH PL SCOTTSDALE, AZ 85258 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $17K | $17K | 4.29% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 35371 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $24K | — | $24K | 10.51% |
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 | 2,994 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 145 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,851 | $232K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,900 | $841K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 797 | $405K |
| Other(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,130 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,130 | — |
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.