| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF SAWYER & CO | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29K | $515 | $29K | 15.48% |
| TOTALIS BENEFITS3 | 500 W MADISON ST 32ND FLOOR CHICAGO, IL 60661 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $6K | $8K | 4.49% |
| SBR SERVICES LLC3 Filed as: SBR SERVICES | 2839 PACES FERRY RD ATLANTA, GA 30339 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 3.11% |
| TOTALIS BENEFITS3 | 8777 N GAINEY CTR DR STE 260 SCOTTSDALE, AZ 85258 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 2.27% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 1.51% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 64184 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.22% |
| TRU-AD SCTUARIES3 | 221 WEST CREST ST STE 300 ESCONDIDO, CA 92025 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 0.61% |
| TOTALIS BENEFITS3 | 500 MADISON ST 32ND FL CHICAGO, IL 60661 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 4.70% |
| SBR SERVICES LLC3 Filed as: SBR SERVICES | 2839 PACES FERRY RD ATLANTA, GA 30339 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 3.12% |
| TOTALIS BENEFITS3 | 8777 N GAINEY CTR DR STE 260 SCOTTSDALE, AZ 85258 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.60% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 CAPITL OF TX HWY AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.73% |
| TRI-AD ACTUARIES3 Filed as: TRI-AD SCTUARIES | 221 WEST CREST ST STE 300 ESCONDIDO, CA 92025 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $378 | $378 | 0.62% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF SAWYER & CO | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | GUARDIAN NAIC | $4K | — | $4K | 7.49% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | GUARDIAN NAIC | $1K | $3K | $4K | 7.14% |
| TOTALIS BENEFITS3 | 500 W MADISON ST 32ND FL CHICAGO, IL 60661 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 4.33% |
| SBR SERVICES LLC3 Filed as: SBR SERVICES | 2839 PACES FERRY RD ATLANTA, GA 30339 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $892 | $892 | 3.14% |
| TOTALIS BENEFITS3 | 8777 N GAINEY CTR DR STE 260 SCOTTSDALE, AZ 85258 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $737 | $737 | 2.59% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $491 | $491 | 1.73% |
| TRI-AD ACTUARIES3 | 221 WEST CREST ST STE 300 ESCONDIDO, CA 92025 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $185 | $185 | 0.65% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF SAWYER & CO | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | GUARDIAN NAIC | $152 | — | $152 | 9.12% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | GUARDIAN NAIC | $15 | $83 | $98 | 5.88% |
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 | 463 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 136 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 599 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN NAIC | 0 | $59K |
| Vision(2 contracts) | GUARDIAN NAIC | 143 | $60K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 257 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 570 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.