| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF CO LLC | 1873 S BELLAIRE STREET SUITE 600 DENVER, CO 80222 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 18.37% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVCS. | 4851 LBJ FREEWAY, #100 DALLAS, TX 75244 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.00% |
| GROUP BENEFITS SVCS. INS. AGENCY3 Filed as: GROUP BENEFITS SERVICES INS AGCY | 8055 E TUFTS AVE, SUITE 1000 DENVER, CO 80237 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $351 | $0 | $351 | 1.44% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF CO LLC | 1873 S BELLAIRE STREET SUITE 600 DENVER, CO 80222 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $935 | $4K | 18.39% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVCS. | 4851 LBJ FREEWAY, #100 DALLAS, TX 75244 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $958 | $958 | 5.00% |
| GROUP BENEFITS SVCS. INS. AGENCY3 Filed as: GROUP BENEFITS SERVICES INS. AGCY. | 8055 E TUFTS AVE, SUITE 1000 DENVER, CO 80237 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $286 | $0 | $286 | 1.49% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF CO LLC | 1873 S BELLAIRE STREET SUITE 600 DENVER, CO 80222 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $671 | $3K | 18.39% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVCS. | 4851 LBJ FREEWAY, #100 DALLAS, TX 75244 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $685 | $685 | 5.00% |
| GROUP BENEFITS SVCS. INS. AGENCY3 Filed as: GROUP BENEFITS SERVICES INS AGCY. | 8055 E TUFTS AVE, SUITE 1000 DENVER, CO 80237 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $207 | $0 | $207 | 1.51% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF CO LLC | 1873S BELLAIRE ST SUITE 600 DENVER, CO 80222 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $973 | $485 | $1K | 15.86% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVCS. | 4851 LBJ FREEWAY, #100 DALLAS, TX 75244 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $460 | $460 | 5.00% |
| GROUP BENEFITS SVCS. INS. AGENCY3 Filed as: GROUP BENEFITS SERVICES INS. AGCY | 8055 E TUFTS AVE, SUITE 1000 DENVER, CO 80237 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $118 | $0 | $118 | 1.28% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 148 | $34K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 43 | $14K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 30 | $19K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 148 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.