| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LINC HOLDINGS LLC3 | 525 S MERIDIAN STREET SUITE GB1 INDIANAPOLIS, IN 46225 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $27K | — | $27K | 2.01% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 230 S BEMISTON SUITE 900 ST LOUIS, MO 63105 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $20K | — | $20K | 1.50% |
| JESSICA LEA MANCINI3 Filed as: JESSICA MANCINI | EINSTEIN CONSULTING GROUP 1120 S 6TH STREET ST LOUIS, MA 63104 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $7K | — | $7K | 0.52% |
| BAUGHMAN GROUP3 | EINSTEIN CONSULTING GROUP 1120 S 6TH STREET ST LOUIS, MA 63104 | BLUE CROSS BLUE SHIELD OF ILLINOIS | — | $2K | $2K | 0.15% |
| LINC HOLDINGS LLC3 | 525 S MERIDIAN STREET SUITE GB1 INDIANAPOLIS, IN 46225 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 8.15% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $636 | — | $636 | 4.39% |
| WILLIAM J SCHMALTZ3 | 4359 FOREST PARK AVE ST LOUIS, MO 63108 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $204 | — | $204 | 1.41% |
| WILLIAM H VAN PELT IV3 Filed as: WILLIAM H VAN PELT III | 1218 WEBSTER ST HOUSTON, TX 77002 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $154 | — | $154 | 1.06% |
| REMODEL HEALTH3 | 525 S MERIDIAN STREET SUITE GB1 INDIANAPOLIS, IN 46225 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $683 | — | $683 | 5.27% |
| ENROLLEASE3 Filed as: ONE DIGITAL | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $397 | — | $397 | 3.06% |
| BILL SCHMALTZ3 | 4359 FOREST PARK AVE ST LOUIS, MO 63108 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $233 | — | $233 | 1.80% |
| LINC HOLDINGS LLC3 | 525 S MERIDIAN STREET SUITE GB1 INDIANAPOLIS, IN 46225 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $860 | — | $860 | 7.92% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $500 | — | $500 | 4.60% |
| WILLIAM J SCHMALTZ3 | 4359 FOREST PARK AVE ST. LOUIS, MO 63108 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $147 | — | $147 | 1.35% |
| WILLIAM H VAN PELT IV3 Filed as: WILLIAM H VAN PELT III | 1218 WEBSTER ST HOUSTON, TX 77002 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $122 | — | $122 | 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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 293 | $1.3M |
| Dental | BLUE CROSS BLUE SHIELD OF ILLINOIS | 293 | $1.3M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 169 | $13K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1 | $11K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ILLINOIS | 293 | $1.3M |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 144 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.