| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| K B SERVICES INC3 | DBA GROUP SERVICES INC 3066 VICTORIA DR BETTENDORF, IA 52722 | BLUE CROSS & BLUE SHIELD OF ILLINOIS | $0 | $5 | $5 | 0.00% |
| GROUP BENEFITS LTD3 Filed as: GROUP SERVICES LLC | 3066 VICTORIA DRIVE BETTENDORF, IA 52722 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37K | $14K | $51K | 22.41% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $9K | $9K | 4.00% |
| WAITRON DBA MERIDIO3 | 500 7TH AVE 8TH FL NEW YORK, NY 10018 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 3.65% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $7K | $7K | 3.00% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 227 W MONROE ST SUITE 5200 CHICAGO, IL 60606 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.50% |
| GROUP BENEFITS LTD3 Filed as: GROUP SERVICES LLC | 3066 VICTORIA DR BETTENDORF, IA 52722 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | $6K | $28K | 12.98% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.00% |
| GROUP BENEFITS LTD3 Filed as: GROUP SERVICES LLC | 3066 VICTORIA DR BETTENDORF, IA 52722 | LINCOLN NATIONAL LIFE INSURANCE | $36K | $11K | $47K | 26.57% |
| WAITRON DBA MERIDIO3 | 500 7TH AVE 8TH FL NEW YORK, NY 10018 | LINCOLN NATIONAL LIFE INSURANCE | $8K | $0 | $8K | 4.56% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHTAN RD SOLON, OH 44139 | LINCOLN NATIONAL LIFE INSURANCE | $0 | $7K | $7K | 4.00% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 227 W MONROE ST SUITE 5200 CHICAGO, IL 60606 | LINCOLN NATIONAL LIFE INSURANCE | $0 | $3K | $3K | 1.50% |
| GROUP BENEFITS LTD3 Filed as: GROUP SERVICES LLC | 3066 VICTORIA DR BETTENDORF, IA 52722 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $7K | $21K | 18.44% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $9K | $9K | 8.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 4.00% |
| WAITRON DBA MERIDIO3 | 500 7TH AVE. 8TH FL NEW YORK, NY 10018 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.73% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 227 W MONROE ST SUITE 5200 CHICAGO, IL 60606 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.50% |
| GROUP BENEFITS LTD3 Filed as: GROUP SERVICES LLC | 3066 VICTORIA DR. BETTENDORF, IA 52700 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $5K | $12K | 16.27% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $7K | $7K | 10.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 4.00% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 227 W MONROE ST SUITE 5200 CHICAGO, IL 60606 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.36% |
| GROUP BENEFITS LTD3 Filed as: GROUP SERVICES LLC | 3066 VICTORIA DR BETTENDORF, IA 52722 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $6K | 13.13% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $898 | $898 | 2.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $898 | $898 | 2.00% |
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 | 1,107 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF ILLINOIS | 927 | $6.7M |
| Dental(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 482 | $260K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,107 | $300K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE | 464 | $178K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 331 | $115K |
| Prescription drug | BLUE CROSS & BLUE SHIELD OF ILLINOIS | 927 | $6.7M |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,107 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,107 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.