| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | — | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $12K | $16K | 9.81% |
| HR BENEFITS SERVICES, INC.3 Filed as: DS BENEFITS GROUP LLC | — | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 7.61% |
| VIBE HCM INC.3 | — | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $396 | $396 | 0.24% |
| HR BENEFITS SERVICES, INC.3 Filed as: DS BENEFITS GROUP LLC | — | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | — | $21K | 15.23% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | — | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $10K | $17K | 12.12% |
| VIBE HCM INC.3 | — | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $336 | $336 | 0.24% |
| HR BENEFITS SERVICES, INC.3 Filed as: DS BENEFITS GROUP LLC | — | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 6.94% |
| HR BENEFITS SERVICES, INC.3 Filed as: DS BENEFITS GROUP LLC | — | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 12.00% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | — | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $279 | $5K | 8.52% |
| HR BENEFITS SERVICES, INC.3 Filed as: DS BENEFITS GROUP | — | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 12.00% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | — | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $268 | $4K | 8.52% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | — | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.32% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | — | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $207 | $2K | $3K | 9.09% |
| HR BENEFITS SERVICES, INC.3 Filed as: DS BENEFITS GROUP LLC | — | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.20% |
| VIBE HCM INC.3 | — | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $80 | $80 | 0.28% |
| HR BENEFITS SERVICES, INC.3 Filed as: DS BENEFITS GROUP LLC | — | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.19% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | — | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $519 | $805 | $1K | 12.25% |
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 | 632 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 632 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 596 | $33K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 722 | $75K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 632 | $28K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 630 | $165K |
| Other(6 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 632 | $448K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 722 | — |
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.