| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRENNAN & STUART INC3 | 222 BUCKLIN STREET LA SALLE, IL 61301 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | — | $30K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $13K | $13K | 6.39% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS & BENEFITS GROUP LLC | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $9K | $9K | 4.60% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS & BENEFITS GROUP LLC | 13800 JACKSON RD MISHAWAKA, IN 46544 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | $14K | $40K | 28.14% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE STREET STE 300 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.50% |
| BRENNAN & STUART INC3 | 222 BUCKLIN STREET LA SALLE, IL 61301 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 6.43% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS & BENEFITS GROUP LLC | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 4.75% |
| MCB SOLUTIONS3 | 3344 SWEET CLOVER LANE LEXINGTON, KY 40509 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | — | $23K | 39.00% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURANCE AND BENEFITS GRO | 13800 JACKSON RD MISHAWAKA, IN 46544 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $6K | $22K | 35.94% |
| MCB SOLUTIONS3 | 3344 SWEET CLOVER LANE LEXINGTON, KY 40509 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | — | $25K | 42.00% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURANCE AND BENEFITS GRO | 13800 JACKSON RD MISHAWAKA, IN 46544 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $7K | $23K | 39.37% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS & BENEFITS GROUP LLC | 13800 JACKSON RD MISHAWAKA, IN 46544 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 10.03% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE STREET STE 300 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $655 | $655 | 1.50% |
| MCB SOLUTIONS3 | 3344 SWEET CLOVER LANE LEXINGTON, KY 40509 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | — | $16K | 39.00% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURANCE AND BENEFITS GRO | 13800 JACKSON RD MISHAWAKA, IN 46544 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $4K | $15K | 36.11% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURANCE AND BENEFITS GRO | 13800 JACKSON RD MISHAWAKA, IN 46544 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $5K | 13.04% |
| BRENNAN & STUART INC3 | 222 BUCKLIN STREET LA SALLE, IL 61301 | DELTA DENTAL OF ILLINOIS | $3K | — | $3K | 12.90% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURANCE AND BENEFITS GRO | 13800 JACKSON RD MISHAWAKA, IN 46544 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 10.21% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE ST 3RD FLOOR CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $314 | $314 | 1.50% |
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 | 551 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 551 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BERKLEY LIFE | 414 | $461K |
| Dental | DELTA DENTAL OF ILLINOIS | 402 | $23K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 551 | $44K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 349 | $198K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 310 | $104K |
| Prescription drug | BERKLEY LIFE | 414 | $461K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE | 414 | $461K |
| Other(6 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 551 | $380K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 551 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.