| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 353 N CLARK ST CHICAGO, IL 60654 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $23K | $23K | 3.55% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 62101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | — | $20K | 3.18% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERIVCES | 353 N CLARK STREET CHICAGO, IL 60654 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $23K | $23K | 5.50% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 3.18% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 353 N CLARK STREET CHICAGO, IL 60654 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $19K | $19K | 5.41% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 3.18% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 1200 MAIN ST STE 2310 KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $22K | — | $22K | 10.00% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 1.50% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | — | $12K | 9.13% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1200 MAIN STREET SUITE 2310 KANSAS CITY, MO 64105 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 4.50% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 9.15% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1200 MAIN ST SUITE 2310 KANSAS CITY, MO 64105 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 4.51% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 9.15% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1200 MAIN ST SUITE 2310 KANSAS CITY, MO 64105 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 4.51% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | LEGALPLANS, USA | $5K | — | $5K | 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 | 1,985 | 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) | 1,985 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 482 | $95K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,408 | $223K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,985 | $418K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,825 | $635K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,986 | $356K |
| Other(4 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,985 | $691K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,986 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.