| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SEVICES, INC. | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 2.09% |
| BENEFITS BROKER INC3 Filed as: BENEFITS BROKER | 20 CLUB MANOR DRIVE, UNIT A PUEBLO, IL 81008 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.99% |
| BENEFITS BROKER INC3 Filed as: BENEFITS BROKER | 20 CLUB MANOR DRIVE, UNIT A PUEBLO, IL 81008 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 4.45% |
| CINDY D MYERS3 Filed as: CINDY D. MYERS | 1805 SOUTH BELLAIRE STREET SUITE 185 DENVER, CO 80222 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $9 | $0 | $9 | 0.02% |
| BENEFITS BROKER INC3 Filed as: BENEFITS BROKER INC. | 20 CLUB MANOR DRIVE, SUITE A PUEBLO, CO 81008 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $203 | $0 | $203 | 1.12% |
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 | 440 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 457 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 771 | $45K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 452 | $332K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 452 | $332K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 452 | $332K |
| Other(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 452 | $350K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 771 | — |
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.