| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $186K | $195K | $381K | 13.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $73K | $169K | $242K | 8.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 650 EAST CARMEL DR STE 350 CARMEL, IN 46032 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $49K | — | $49K | 1.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $56K | $136K | $192K | 8.34% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $115K | $65K | $180K | 7.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 650 EAST CARMEL DR STE 350 CARMEL, IN 46032 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $38K | — | $38K | 1.66% |
| EOI SERVICE COMPANY INC3 | 3100 E MIRALOMA AVE # 240 ANAHEIM, CA 92806 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $409K | — | $409K | 65.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $69K | $69K | 10.97% |
| AON CONSULTING INC3 Filed as: BSWIFT | 500 W MONROE STE 3800 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $31K | $31K | 5.00% |
| EOI SERVICE COMPANY INC3 | 3100 E MIRALOMA AVE # 240 ANAHEIM, CA 92806 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $350K | — | $350K | 65.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $59K | $59K | 10.96% |
| AON CONSULTING INC3 Filed as: BSWIFT | 500 W MONROE STE 3800 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $27K | $27K | 5.00% |
| EOI SERVICE COMPANY INC3 | 3100 E MIRALOMA AVE # 240 ANAHEIM, CA 92806 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $341K | — | $341K | 70.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $60K | $60K | 12.38% |
| AON CONSULTING INC3 Filed as: BSWIFT | 500 W MONROE STE 3800 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $24K | $24K | 5.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20K | — | $20K | 4.77% |
| EOI SERVICE COMPANY INC3 | 3100 E MIRALOMA AVE STE 240 ANAHEIM, CA 92806 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $15K | — | $15K | 3.50% |
| EOI SERVICE COMPANY INC3 | 3100 E MIRALOMA AVE # 240 ANAHEIM, CA 92806 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $275K | — | $275K | 65.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $54K | $54K | 12.74% |
| AON CONSULTING INC3 Filed as: BSWIFT | 500 W MONROE STE 3800 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $21K | $21K | 5.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 200 SUMMIT LAKE DR STE 350 VALHALLA, NY 10595 | COMBINED INSURANCE | $14K | — | $14K | 6.66% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY | STE 400 1820 E 1ST ST SANTA ANA, CA 92705 | COMBINED INSURANCE | $6K | — | $6K | 2.83% |
| WENDELL W BECULHEIMER4 | 116 CEDAR ST FRANKLIN, OH 45005 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $10K | — | $10K | 6.00% |
| KATHLEEN E MCCREARY4 | 115 E MECHANIC ST APT 7 EATON, OH 45320 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $7K | — | $7K | 4.32% |
| CAROL PURDY FIELDS4 Filed as: CAROL CLINTON SMITH MARITAL TRUST | 3317 WAUWINET WAY NORMAN, OK 73071 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 0.76% |
| THE LITTLE GORUP LLC4 Filed as: THE LITTLE GROUP LLC | 5017 NEW TRENTON RD WEST HARRISON, IN 47060 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 0.70% |
| ITEM III TRUST U/W DAVID A SAVULA4 | C/O DAVID J SAVULA 480 RIVERHILL DR ATLANTA, GA 30328 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $273 | — | $273 | 0.17% |
| SCOTT A BOYER4 | 5918 HIGHLANDER DR WESTERVILLE, OH 43081 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $273 | — | $273 | 0.17% |
| PML INC4 | 11410 STONECREEK DR PICKERINGTON, OH 43147 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $193 | — | $193 | 0.12% |
| SANDRA J EVANSEN4 | 9403 ASTON GARDENS CT APT 311 PARKLAND, FL 33076 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $97 | — | $97 | 0.06% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $472 | — | $472 | 3.87% |
| EOI SERVICE COMPANY INC3 | 3100 E MIRALOMA AVE STE 240 ANAHEIM, CA 92806 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $419 | — | $419 | 3.43% |
| AON CONSULTING INC3 Filed as: BSWIFT | 10 S RIVERSIDE PLAZA STE 1100 CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $389 | — | $389 | 3.19% |
| USI INSURANCE SERVICES LLC3 | P O BOX 62889 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $22 | $2K | 15.21% |
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 | 10,849 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 45 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 90 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,984 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 10,969 | $2.9M |
| Dental | SUPERIOR DENTAL CARE, INC. | 16,707 | $0 |
| Vision(2 contracts) | VISION SERVICE PLAN | 7,269 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 926 | $636K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 9,889 | $2.3M |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 7,740 | $376K |
| Other(7 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,419 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,707 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.