| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, INC. | 6450 ROCKSIDE WOODS BOULEVARD SOUTH SUITE 250 INDEPENDENCE, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | $6K | $35K | 5.51% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | $0 | $28K | 4.42% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $26K | $26K | 4.17% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 24 FRANK LLOYD WRIGHT DRIVE ANN ARBOR, MI 48105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $0 | $17K | 2.71% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 SOUTH CAPITAL OF TX HIGHWAY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 0.84% |
| PREPARE BENEFITS, LLC3 | 7157 NARCOOSSEE ROAD, SUITE 1579 ORLANDO, FL 32822 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.53% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 6000 FREEDOM SQUARE DRIVE SUITE 400 INDEPENDENCE, OH 44131 | VISION BENEFITS OF AMERICA | $2K | — | $2K | 4.80% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, INC. | 6450 ROCKSIDE WOODS BOULEVARD SOUTH SUITE 250 INDEPENDENCE, OH 44131 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 3.20% |
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 | 520 | 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) | 520 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 521 | $627K |
| Vision | VISION BENEFITS OF AMERICA | 396 | $39K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 521 | $627K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 521 | $627K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 521 | $627K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 521 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.