| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CASON GROUP INC3 | PO BOX 11229 COLUMBIA, SC 29211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 5.00% |
| ALIUM LLC3 | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 3.38% |
| ALIUM LLC3 | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 6.25% |
| THE CASON GROUP INC3 | PO BOX 11229 COLUMBIA, SC 29211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 5.00% |
| ALIUM LLC3 | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| THE CASON GROUP INC3 | PO BOX 11229 COLUMBIA, SC 29211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| ALIUM LLC3 | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 12.93% |
| THE CASON GROUP INC3 | PO BOX 11229 COLUMBIA, SC 29211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| THE CASON GROUP INC3 | PO BOX 11229 COLUMBIA, SC 29211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $768 | $3K | 17.50% |
| ALIUM LLC3 | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 12.50% |
| ALIUM LLC3 | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| THE CASON GROUP INC3 | PO BOX 11229 COLUMBIA, SC 29211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $739 | $739 | 5.00% |
| THE CASON GROUP INC3 | PO BOX 11229 COLUMBIA, SC 29211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $2K | $3K | 24.51% |
| ALIUM LLC3 | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 12.50% |
| THE CASON GROUP INC3 | PO BOX 11229 COLUMBIA, SC 29211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $1K | $3K | 28.87% |
| ALIUM LLC3 | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 12.50% |
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 | 194 | 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) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 164 | $98K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 97 | $4K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 194 | $56K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 194 | $112K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 194 | $25K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 160 | $316K |
| Other(5 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 194 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.