| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.76% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9201 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.01% |
| EMPLOYEE BNFT SLTN INC3 | 4319 WEST CLARA LN PMB 327 MUNCIE, IN 47304 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.91% |
| JANA M KARRMANN3 | 3900 BELLFONTAINE RD HAMILTON, IN 46742 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.91% |
| INNCVATIVE BROKER SOLUTIONS LTD3 | 9405 BORMET DR STE 3 MOKENA, IL 60448 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $829 | $829 | 2.95% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $125K | $125K | 825.85% |
| EMPLOYEE BNFT SLTN INC3 | 4319 WEST CLARA LN PMB 327 MUNCIE, IN 47304 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $995 | — | $995 | 6.58% |
| JANA M KARRMANN3 | 3900 BELLFONTAINE RD HAMILTON, IN 46742 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $995 | — | $995 | 6.58% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9201 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $757 | $757 | 5.01% |
| INNOVATIVE BROKER SOLUTIONS LTD3 | 9405 BORMET DR STE 3 MOKENA, IL 60448 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $597 | $597 | 3.95% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9201 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $399 | $399 | 5.00% |
| EMPLOYEE BNFT SLTN INC3 | 4319 WEST CLARA LN PMB 327 MUNCIE, IN 47304 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $196 | — | $196 | 2.46% |
| JANA M KARRMANN3 | 3900 BELLFONTAINE RD HAMILTON, IN 46742 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $196 | — | $196 | 2.46% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $49 | $49 | 0.61% |
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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 70 | $28K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 73 | $8K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 128 | $15K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 128 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.