| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVIDSON BENEFITS PLANNING LLC3 Filed as: DAVIDSON BENEFITS PLANNING | 7632 SW DURHAM RD. STE 115 TIGARD, OR 97224 | SYMETRA LIFE INSURANCE COMPANY | $0 | $11K | $11K | 1.05% |
| GCG FINANCIAL LLC3 | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $67K | $11K | $78K | 21.30% |
| GROUP BENEFITS LTD3 Filed as: GROUP SERVICES LLC | 3066 VICTORIA DR BETTENDORF, IA 52722 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 1.70% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE ST. STE 300 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 1.50% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.73% |
| GCG FINANCIAL LLC3 | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29K | $6K | $35K | 11.17% |
| GROUP BENEFITS LTD3 Filed as: GROUP SERVICES LLC | 3066 VICTORIA DR BETTENDORF, IA 52722 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 0.83% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, CA 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.38% |
| GCG FINANCIAL LLC3 | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $70K | — | $70K | 22.85% |
| GROUP BENEFITS LTD3 Filed as: GROUP SERVICES LLC | 3066 VICTORIA DR BETTENDORF, IA 52722 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 2.15% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE ST STE 300 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.50% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.72% |
| GCG FINANCIAL LLC3 | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $31K | $18K | $49K | 21.68% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE ST STE 300 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.50% |
| GROUP BENEFITS LTD3 Filed as: GROUP SERVICES LLC | 3066 VICTORIA DR BETTENDORF, IA 52722 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 1.32% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.72% |
| GCG FINANCIAL LLC3 | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $9K | $18K | 20.56% |
| GROUP BENEFITS LTD3 Filed as: GROUP SERVICES LLC | 3066 VICTORIA DR BETTENDORF, IA 52722 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $811 | — | $811 | 0.94% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $688 | $688 | 0.80% |
| GCG FINANCIAL LLC3 | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $1K | $6K | 11.20% |
| GROUP BENEFITS LTD3 Filed as: GROUP SERVICES LLC | 3066 VICTORIA DR BETTENDORF, IA 52722 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $431 | — | $431 | 0.80% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $239 | $239 | 0.45% |
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 | 1,172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 50 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 615 | $366K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,172 | $86K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 641 | $308K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 503 | $227K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 965 | $1.1M |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,342 | $454K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,342 | — |
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.