| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 NORTH PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | RELIASTAR LIFE INSURANCE COMPANY | — | $17K | $17K | 5.02% |
| UMR, INC.3 Filed as: UMR INC | 11 SCOTT STREET SUITE 100 WAUSAU, WI 54403 | RELIASTAR LIFE INSURANCE COMPANY | — | $10K | $10K | 3.00% |
| VIRTUS LLC3 | 9800 METCALF AVENUE SUITE 500 OVERLAND PARK, KS 66212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | $10K | $33K | 11.45% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 2.01% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 0.40% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $872 | $872 | 0.30% |
| VIRTUS LLC3 | 9800 METCALF AVENUE SUITE 500 OVERLAND PARK, KS 66212 | DELTA DENTAL OF WISCONSIN | $10K | — | $10K | 3.51% |
| VIRTUS LLC3 | 9800 METCALF AVENUE SUITE 500 OVERLAND PARK, KS 66212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $6K | $17K | 12.98% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.05% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $525 | $525 | 0.41% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $394 | $394 | 0.31% |
| VIRTUS LLC3 | 9800 METCALF AVENUE SUITE 500 OVERLAND PARK, KS 66212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $6K | $16K | 12.76% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.97% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $490 | $490 | 0.40% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $367 | $367 | 0.30% |
| VIRTUS LLC3 | 9800 METCALF AVENUE SUITE 500 OVERLAND PARK, KS 66212 | DELTA DENTAL OF WISCONSIN | $3K | — | $3K | 3.43% |
| VIRTUS LLC3 | 9800 METCALF AVENUE SUITE 500 OVERLAND PARK, KS 66212 | VISION SERVICE PLAN | $1K | — | $1K | 1.52% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL | 3 PARKWAY NORTH BOULEVARD SUITE 500 DEERFIELD, IL 60015 | VISION SERVICE PLAN | $252 | — | $252 | 0.34% |
| VIRTUS LLC3 | 9800 METCALF AVENUE SUITE 500 OVERLAND PARK, KS 66212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $3K | $9K | 12.78% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.99% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $283 | $283 | 0.40% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $212 | $212 | 0.30% |
| VIRTUS LLC3 | 9800 METCALF AVENUE SUITE 500 OVERLAND PARK, KS 66212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $5K | $11K | 18.07% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.05% |
| VIRTUS LLC3 | 9800 METCALF AVENUE SUITE 500 OVERLAND PARK, KS 66212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 13.07% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $504 | — | $504 | 2.13% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $101 | $101 | 0.43% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $76 | $76 | 0.32% |
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 | 1,510 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 98 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,626 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF WISCONSIN | 558 | $364K |
| Vision | VISION SERVICE PLAN | 684 | $75K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,510 | $199K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,510 | $290K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,510 | $124K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 882 | $853K |
| Other(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,510 | $286K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,510 | — |
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."
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.