| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFITS LTD3 Filed as: GROUP SERVICES LLC | 3066 VICTORIA DR BETTENDORF, IA 52722 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $39K | $0 | $39K | 10.00% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $8K | $8K | 2.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BIRCHWOOD, OH 44122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.58% |
| GROUP BENEFITS LTD3 Filed as: GROUP SERVICES LLC | 3066 VICTORIA DRIVE BETTENDORF, IA 52722 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $74K | $0 | $74K | 20.00% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $11K | $11K | 3.00% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 306 W. ERIE ST SUITE 300 CHICAGO, IL 60654 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 1.50% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.08% |
| GROUP BENEFITS LTD3 Filed as: GROUP SERVICES LLC | 3066 VICTORIA DR BETTENDORF, IA 52722 | LINCOLN NATIONAL LIFE INSURANCE | $76K | $0 | $76K | 25.00% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 306 W. ERIE ST SUITE 300 CHICAGO, IL 60654 | LINCOLN NATIONAL LIFE INSURANCE | $0 | $5K | $5K | 1.50% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | LINCOLN NATIONAL LIFE INSURANCE | $0 | $3K | $3K | 1.10% |
| GROUP BENEFITS LTD3 Filed as: GROUP SERVICES LLC | 3066 VICTORIA DR BETTENDORF, IA 52722 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $34K | $0 | $34K | 15.00% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $18K | $18K | 8.00% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS | 306 W ERIE ST SUITE 3000 CHICAGO, IL 60654 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.50% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.06% |
| GROUP BENEFITS LTD3 Filed as: GROUP SERVICES LLC | 3066 VICTORIA DR. BETTENDORF, IA 52700 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 11.50% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $9K | $9K | 10.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.20% |
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 | 1,171 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF ILLINOIS | 918 | $10.7M |
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 806 | $392K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,171 | $462K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE | 632 | $303K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 475 | $224K |
| Prescription drug | BLUE CROSS & BLUE SHIELD OF ILLINOIS | 918 | $10.7M |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,171 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,171 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.