| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2315 ENTERPRISE DRIVE, SUITE 105 WESTCHESTER, IL 60154 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $51K | $10K | $62K | 3.30% |
| THE MILSTEIN COMPANY3 | 104 RIVERSHIRE LANE LINCOLNSHIRE, IL 60069 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $51K | $6K | $58K | 3.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 181 E. 5600 SOUTH, SUITE 240 SALT LAKE CITY, UT 84107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $19K | $19K | 1.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2315 ENTERPRISE DRIVE, SUITE 105 WESTCHESTER, IL 60154 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $10K | $14K | 2.09% |
| THE MILSTEIN COMPANY3 | 104 RIVERSHIRE LANE LINCOLNSHIRE, IL 60069 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $6K | $10K | 1.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 181 E. 5600 SOUTH, SUITE 240 SALT LAKE CITY, UT 84107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 1.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2315 ENTERPRISE DRIVE, SUITE 105 WESTCHESTER, IL 60154 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | $10K | $38K | 10.17% |
| THE MILSTEIN COMPANY3 | 104 RIVERSHIRE LANE LINCOLNSHIRE, IL 60069 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | $6K | $34K | 9.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 181 E. 5600 SOUTH, SUITE 240 SALT LAKE CITY, UT 84107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 1.00% |
| THE MILSTEIN COMPANY3 Filed as: THE MILSTEIN COMPANY, INC. | 104 RIVERSHIRE LANE LINCOLNSHIRE, IL 60069 | VISION SERVICE PLAN | $6K | — | $6K | 1.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2315 ENTERPRISE DRIVE, SUITE 105 WESTCHESTER, IL 60154 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $51K | $4K | $55K | 33.38% |
| THE MILSTEIN COMPANY3 | 104 RIVERSHIRE LANE LINCOLNSHIRE, IL 60069 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $51K | $4K | $55K | 33.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2315 ENTERPRISE DRIVE, SUITE 105 WESTCHESTER, IL 60154 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $40K | $3K | $44K | 35.97% |
| THE MILSTEIN COMPANY3 | 104 RIVERSHIRE LANE LINCOLNSHIRE, IL 60069 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $40K | $3K | $43K | 35.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2315 ENTERPRISE DRIVE, SUITE 105 WESTCHESTER, IL 60154 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 10.15% |
| THE MILSTEIN COMPANY3 | 104 RIVERSHIRE LANE LINCOLNSHIRE, IL 60069 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $6K | 9.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2315 ENTERPRISE DRIVE, SUITE 105 WESTCHESTER, IL 60154 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $1K | $3K | 10.80% |
| THE MILSTEIN COMPANY3 | 104 RIVERSHIRE LANE LINCOLNSHIRE, IL 60069 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $1K | $3K | 10.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 181 E. 5600 SOUTH, SUITE 240 SALT LAKE CITY, UT 84107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $253 | $253 | 1.00% |
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 | 4,887 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 52 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,939 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,950 | $351K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,887 | $453K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,350 | $2.0M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,822 | $690K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,887 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,887 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.