| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1000 EAST WARRENVILLE RD., STE. 230 NAPERVILLE, IL 60563 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $66K | — | $66K | 2.75% |
| THE MILSTEIN COMPANY3 | 104 RIVERSHIRE LANE LINCOLNSHIRE, IL 60069 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $66K | — | $66K | 2.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $30K | $30K | 1.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $15K | $15K | 1.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1000 EAST WARRENVILLE RD., STE. 230 NAPERVILLE, IL 60563 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 0.52% |
| THE MILSTEIN COMPANY3 | 104 RIVERSHIRE LANE LINCOLNSHIRE, IL 60069 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 0.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1000 EAST WARRENVILLE RD., STE. 230 NAPERVILLE, IL 60563 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | — | $30K | 7.50% |
| THE MILSTEIN COMPANY3 | 104 RIVERSHIRE LANE LINCOLNSHIRE, IL 60069 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | — | $30K | 7.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $9K | $9K | 2.22% |
| THE MILSTEIN COMPANY3 Filed as: THE MILSTEIN COMPANY, INC. | 104 RIVERSHIRE LANE LINCOLNSHIRE, IL 60069 | VISION SERVICE PLAN | $5K | — | $5K | 1.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | $6K | $27K | 14.35% |
| THE MILSTEIN COMPANY3 | 104 RIVERSHIRE LANE LINCOLNSHIRE, IL 60069 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | — | $21K | 11.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | $4K | $30K | 18.63% |
| THE MILSTEIN COMPANY3 | 104 RIVERSHIRE LANE LINCOLNSHIRE, IL 60069 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | — | $25K | 15.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1000 EAST WARRENVILLE RD., STE. 230 NAPERVILLE, IL 60563 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 7.50% |
| THE MILSTEIN COMPANY3 | 104 RIVERSHIRE LANE LINCOLNSHIRE, IL 60069 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 7.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $744 | $744 | 1.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1000 EAST WARRENVILLE RD., STE. 230 NAPERVILLE, IL 60563 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| THE MILSTEIN COMPANY3 | 104 RIVERSHIRE LANE LINCOLNSHIRE, IL 60069 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $844 | $844 | 1.23% |
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 | 4,893 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,931 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,946 | $382K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,893 | $536K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,413 | $2.6M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,864 | $842K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,893 | $298K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,893 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.