| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CINDY D MYERS3 Filed as: CINDY EIDE | 1805 S BELLAIRE ST SUITE 185 DENVER, CO 80222 | BLUE CROSS BLUE SHIELD OF MINNESOTA | $90K | $0 | $90K | 13.62% |
| THE ULTIMATE SOFTWARE GROUP0 Filed as: THE ULTIMATE SOFTWARE GROUP, INC. | 1495 N PARK DR WESTON, FL 33326 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 5.00% |
| THE ULTIMATE SOFTWARE GROUP0 Filed as: THE ULTIMATE SOFTWARE GROUP, INC. | 1485 N PARK DR WESTON, FL 33326 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 5.00% |
| THE ULTIMATE SOFTWARE GROUP0 Filed as: THE ULTIMATE SOFTWARE GROUP, INC. | 1485 N PARK DR WESTON, FL 33326 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| CINDY D MYERS3 | 1805 S BELLAIRE ST SUITE 185 DENVER, CO 80222 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| THE ULTIMATE SOFTWARE GROUP0 Filed as: THE ULTIMATE SOFTWARE GROUP, INC. | 1485 N PARK DR WESTON, FL 33326 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 4.69% |
| BENEFITS BROKER INC3 Filed as: BENEFITS BROKER, INC. | 20 CLUB MANOR DRIVE PUEBLO, CO 81008 | VISION SERVICE PLAN | $7K | — | $7K | 10.05% |
| THE ULTIMATE SOFTWARE GROUP0 Filed as: THE ULTIMATE SOFTWARE GROUP, INC. | 1485 N PARK DR WESTON, FL 33326 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $987 | $987 | 3.00% |
| DENNIS E HENNESSY3 | 970 WEDGEWOOD DR CRYSTAL LAKE, IL 60014 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $1K | — | $1K | 6.98% |
| CINDY D MYERS3 Filed as: CINDY MYERS | 1805 S BELLAIRE ST SUITE 185 DENVER, CO 80222 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $643 | — | $643 | 3.79% |
| STEVE BAKER3 | 153 ESTHER DR COCOA BEACH, FL 32931 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $378 | — | $378 | 2.23% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL | 3 PARKWAY N SUITE 500 DEERFIELD, IL 60015 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $153 | — | $153 | 0.90% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST KANSAS CITY, MO 64112 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $114 | — | $114 | 0.67% |
| SCHILLER & ASSOCIATES LLC3 | 173 COTTAGE LANE MILFORD, MI 48361 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | — | — | $0 | 0.00% |
| THE ULTIMATE SOFTWARE GROUP0 Filed as: THE ULTIMATE SOFTWARE GROUP, INC. | 1485 N PARK DR WESTON, FL 33326 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $990 | $990 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MN EIN 41-0984460 ADMINISTRATIVE SERVICES | Contract Administrator; Other fees; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Legal Service code 12 | 1301 CHESTNUT ST VIRGINIA, MN 55792 | $230K |
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 | 470 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 470 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MINNESOTA | 473 | $661K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 470 | $427K |
| Vision | VISION SERVICE PLAN | 447 | $75K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 552 | $85K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 552 | $95K |
| Other(5 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 552 | $277K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 552 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.