| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORRIS FINANCIAL GROUP3 Filed as: MORRIS FINANCIAL GROUP, INC. | 272 PENN AVENUE SALEM, OH 44460 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 16.57% |
| ENROLLEASE3 Filed as: ONE DIGITAL EXPRESSLINK, LLC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $514 | — | $514 | 1.74% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY, LLC | 4200 ROCKSIDE RD STE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $77 | — | $77 | 0.26% |
| MORRIS FINANCIAL GROUP3 Filed as: MORRIS FINANCIAL GROUP, INC. | 272 PENN AVENUE SALEM, OH 44460 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 25.20% |
| ENROLLEASE3 Filed as: ONE DIGITAL EXPRESSLINK, LLC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $359 | — | $359 | 1.68% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY, LLC | 4200 ROCKSIDE RD STE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $70 | — | $70 | 0.33% |
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 | 213 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 113 | $29K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 100 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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.