| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP LLC DBA FNIC | 11000 E US ROUTE 31, STE 1 PLANO, IL 60545 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $30K | — | $30K | 3.73% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP | 6833 STATLER DR. STE 200 ROCKFORD, IL 61108 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $18K | — | $18K | 2.28% |
| FIRST INSURANCE GROUP LLC3 | 11000 E RT 34 STE 1 PLANO, IL 60545 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 12.15% |
| BENEFIT PLANNING SERVICES INC3 Filed as: BENEFIT PLANNING SERVICES | 6833 STALTER DR STE 200 ROCKFORD, IL 61108 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $576 | $2K | 3.85% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 S. CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $473 | $473 | 0.82% |
| FIRST INSURANCE GROUP LLC3 | 11000 E RT 34 SUITE 1 PLANO, IL 60545 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 6.73% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 6833 STALTER DRIVE STE 200 ROCKFORD, IL 61108 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.67% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $190 | $190 | 0.48% |
| FIRST INSURANCE GROUP LLC3 | 11000 E RT 34 STE 1 PLANO, IA 60545 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 12.20% |
| BENEFIT PLANNING SERVICES INC3 Filed as: BENEFIT PLANNING SERVICES | 6833 STALTER DR. STE 200 ROCKFORD, IL 61108 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $853 | $301 | $1K | 3.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 S. CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $248 | $248 | 0.81% |
| FIRST INSURANCE GROUP LLC3 | 11000 E RT 34 STE 1 PLANO, IL 60545 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 11.30% |
| BENEFIT PLANNING SERVICES INC3 Filed as: BENEFIT PLANNING SERVICES | 6833 STALTER DR STE 200 ROCKFORD, IL 61108 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $990 | $262 | $1K | 4.69% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $215 | $215 | 0.80% |
| BENEFIT PLANNING SERVICES INC3 Filed as: BENEFIT PLANNING SERVICES, INC. | 6833 STATLER DRIVE STE 200 ROCKFORD, IL 61108 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $433 | — | $433 | 3.85% |
| FIRST INSURANCE GROUP LLC3 | 11000 E RT 34 STE 1 PLANO, IL 60545 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 12.10% |
| BENEFIT PLANNING SERVICES INC3 Filed as: BENEFIT PLANNING SERVICES | 6833 STALTER DR STE 200 ROCKFORD, IL 61108 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $284 | $106 | $390 | 3.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 S. CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $87 | $87 | 0.89% |
| FIRST INSURANCE GROUP LLC3 | 11000 E RT 34 SUITE 1 PLANO, IL 60545 | STANDARD INSURANCE COMPANY | $116 | — | $116 | 6.69% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 6833 STALTER DRIVE STE 200 ROCKFORD, IL 61108 | STANDARD INSURANCE COMPANY | $86 | — | $86 | 4.96% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE STREET STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $8 | $8 | 0.46% |
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 | 187 | 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) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 145 | $794K |
| Dental | STANDARD INSURANCE COMPANY | 99 | $39K |
| Vision(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | 145 | $13K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 182 | $10K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 182 | $58K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 182 | $31K |
| Prescription drug | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 145 | $794K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 182 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.