| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 216 SOUTH JEFFERSON UNIT LL2 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $206K | $14K | $220K | 16.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 216 SOUTH JEFFERSON UNIT LL2 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $167K | $14K | $180K | 16.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 216 SOUTH JEFFERSON UNIT LL2 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $97K | $14K | $111K | 17.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 216 SOUTH JEFFERSON UNIT LL2 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $168K | $26K | $195K | 36.89% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 452632886 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $16K | $16K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 216 SOUTH JEFFERSON UNIT LL2 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $146K | $24K | $170K | 35.04% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 452632886 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $15K | $15K | 3.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS. SRVS., INC. | P.O. BOX 632886 CINCINNATI, OH 452632886 | VISION SERVICE PLAN | $6K | — | $6K | 1.35% |
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 | 4,651 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 165 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,816 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 3,512 | $471K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,897 | $2.0M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,897 | $1.1M |
| Other(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,897 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,897 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.