| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE CO | $21K | — | $21K | 11.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON 12TH FL CHICAGO, IL 606049300 | LINCOLN NATIONAL LIFE INSURANCE CO | $8K | — | $8K | 3.95% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34100 | LINCOLN NATIONAL LIFE INSURANCE CO | — | $882 | $882 | 0.45% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INSURANCE BENEFITS INC. | 11910 ANDERSON MILL RD AUSTIN, TX 78726 | NATIONWIDE | $12K | — | $12K | 7.50% |
| ASSURANCE AGENCY LTD3 | 20 N MARTINGALDE ROAD, SUITE 100 SCHAUMBURG, IL 60173 | NATIONWIDE | $9K | — | $9K | 5.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE ROAD, SUITE 100 SCHAUMBURG, IL 60173 | NATIONWIDE | $4K | — | $4K | 2.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BLVD, SUITE 14 CHICAGO, IL 60604 | NATIONWIDE | $3K | — | $3K | 2.10% |
| ASSURANCE AGENCY LTD3 | 20 N MARATINGGALE ROAD, SUITE 100 SCHAUMBURG, IL 60173 | AMERITAS | $5K | — | $5K | 5.76% |
| FRINGE INSURASNCE BENEFITS INC.3 | 11910 ANDERSON MILL RD AUSTIN, TX 60173 | AMERITAS | $5K | — | $5K | 5.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N MARTINGALE RD, SUITE 100 SCHAUMBURG, IL 60173 | AMERITAS | $2K | — | $2K | 2.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BLVD, SUITE 14 CHICAGO, IL 60604 | AMERITAS | $2K | — | $2K | 1.99% |
| PAUL STANLEY JR3 Filed as: PAUL STANLEY JR. | 5264 INTERNATIONAL BLVD. NORTH CHARLESTON, SC 29418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $4K | $10K | 19.94% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $357 | $7K | 14.05% |
| CHRISTINE L COURTNEY3 | 24392 OAKWOOD PARK RD ST MICHAELS, MD 21663 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $906 | $340 | $1K | 2.40% |
| MITCHELL H BESVINICK3 Filed as: MITCHELL H. BESVINICK | 1280 BRIGHTON WAY NEWTOWN SQUARE, PA 19073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.29% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM INC. | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $492 | $466 | $958 | 1.85% |
| BETH JOAN MITCHELL3 | 5264 INTERNATIONAL BLVD. NORTH CHARLESTON, SC 29418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $303 | $104 | $407 | 0.78% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INS CO | $5K | — | $5K | 11.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON 12TH FL CHICAGO, IL 606049300 | LINCOLN NATIONAL LIFE INS CO | $2K | — | $2K | 3.74% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | LINCOLN NATIONAL LIFE INS CO | — | $172 | $172 | 0.40% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE CO | $4K | — | $4K | 11.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON 12TH FL CHICAGO, IL 606049300 | LINCOLN NATIONAL LIFE INSURANCE CO | $1K | — | $1K | 3.61% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | LINCOLN NATIONAL LIFE INSURANCE CO | — | $148 | $148 | 0.39% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE CO | $3K | — | $3K | 11.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON 12TH FL CHICAGO, IL 606049300 | LINCOLN NATIONAL LIFE INSURANCE CO | $935 | — | $935 | 3.49% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | LINCOLN NATIONAL LIFE INSURANCE CO | — | $101 | $101 | 0.38% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 20 N MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | EYEMED VISION CARE | $4K | — | $4K | 18.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | EYEMED VISION CARE | $406 | — | $406 | 1.65% |
| PAUL STANLEY JR3 Filed as: PAUL STANLEY JR. | 5264 INTERNATIONAL BLVD. NORTH CHARLESTON, SC 29418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 23.77% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $167 | $3K | 16.75% |
| CHRISTINE L COURTNEY3 | 24392 OAKWOOD PARK RD ST MICHAELS, MD 21663 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $382 | $158 | $540 | 2.81% |
| MITCHELL H BESVINICK3 | 1280 BRIGHTON WAY NEWTOWN SQUARE, PA 19073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $529 | — | $529 | 2.75% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM INC. | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $199 | $213 | $412 | 2.15% |
| BETH JOAN MITCHELL3 | 5264 INTERNATIONAL BLVD. NORTH CHARLESTON, SC 29418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $128 | $48 | $176 | 0.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INS CO | $1K | — | $1K | 10.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON 12TH FL CHICAGO, IL 606049300 | LINCOLN NATIONAL LIFE INS CO | $513 | — | $513 | 4.05% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | LINCOLN NATIONAL LIFE INS CO | — | $58 | $58 | 0.46% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE CO | $419 | — | $419 | 13.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWESTT LTD | 55 E JACKSON 12TH FL CHICAGO, IL 606049300 | LINCOLN NATIONAL LIFE INSURANCE CO | — | $49 | $49 | 1.57% |
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 | 465 | 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) | 465 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE CO | 336 | $280K |
| Vision(2 contracts, 2 carriers) | AMERITAS | 533 | $110K |
| Life insurance(2 contracts, 2 carriers) | NATIONWIDE | 466 | $179K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE CO | 140 | $27K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE CO | 125 | $38K |
| Other(6 contracts, 3 carriers) | NATIONWIDE | 466 | $296K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 533 | — |
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.
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.