| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | $9K | $30K | 6.05% |
| AI TECHNOLOGIES LLC3 | DBA APPRIZE TECHNOLOGY 840 LAKE ST E STE 200 WAYZATA, MN 55391 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $15K | $15K | 2.97% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $3K | $9K | 6.43% |
| AI TECHNOLOGIES LLC3 | DBA APPRIZE TECHNOLOGY 840 LAKE ST E STE 200 WAYZATA, MN 55391 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.95% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | VISION SERVICE PLAN | $5K | $0 | $5K | 4.61% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY INC. | 3100 E MIRALOMA AVE #240 ANAHEIM, CA 92806 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $53K | $0 | $53K | 54.25% |
| AI TECHNOLOGIES LLC3 | DBA APPRIZE TECHNOLOGY 840 LAKE ST E STE 200 WAYZATA, MN 55391 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | -$28K | $2K | -$26K | -26.32% |
| EOI SERVICE COMPANY INC3 | 3100 E MIRALOMA AVE #240 ANAHEIM, CA 92806 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 12.76% |
| AI TECHNOLOGIES LLC3 | DBA APPRIZE TECHNOLOGY 840 LAKE ST E STE 200 WAYZATA, MN 55391 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | -$7K | $2K | -$5K | -7.81% |
| EOI SERVICE COMPANY INC3 | 3100 E MIRALOMA AVE #240 ANAHEIM, CA 92806 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | $0 | $22K | 43.29% |
| AI TECHNOLOGIES LLC3 | 840 LAKE ST E STE 200 WAYZATA, MN 55391 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | -$12K | $1K | -$10K | -20.53% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | ARAG INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
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 | 846 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 220 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,066 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 737 | $119K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,050 | $502K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 510 | $146K |
| Other(6 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,050 | $757K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,050 | — |
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.