| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | LINCOLN NATIONAL LIFE INSURANCE CO | $3K | $146 | $3K | 9.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE CO | $2K | — | $2K | 6.20% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | LINCOLN NATIONAL LIFE INSURANCE CO | $3K | $171 | $3K | 10.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE CO | $2K | — | $2K | 5.03% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | VISION SERVICE PLAN | $1K | — | $1K | 4.37% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | COMBINED INSURANCE | $1K | — | $1K | 8.36% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFIT ADMINISTRATORS | 777 BALTIMORE ST., STE 97 GETTYSBURG, PA 17325 | COMBINED INSURANCE | $862 | — | $862 | 6.54% |
| OLINA REYNOLDS3 | 4000 SE 52ND STREET OCALA, FL 34480 | COMBINED INSURANCE | $111 | — | $111 | 0.84% |
| JEREMY TUCKFELT3 | 210 6TH AVENUE, FLOOR 30 PITTSBURGH, PA 15222 | COMBINED INSURANCE | $111 | — | $111 | 0.84% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | LINCOLN NATIONAL LIFE INSURANCE CO | $835 | $41 | $876 | 9.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE CO | $534 | — | $534 | 5.85% |
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 | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 39 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MONTANA | 377 | $2.5M |
| Vision | VISION SERVICE PLAN | 106 | $31K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE CO | 183 | $9K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE CO | 183 | $33K |
| Other(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE CO | 183 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 377 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.