| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | P.O. BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $31K | $120K | $151K | 6.07% |
| MIDWEST HERITAGE INS SVCS3 | 3580 EP TRUE PKWY STE 100 WEST DES MOINES, IA 50265 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $95K | $95K | 3.80% |
| TOP BENEFITS LLC3 Filed as: TOP BENEFITS | 3 BATTERYMARCH PARK 4TH FL QUINCY, MA 02169 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $75K | $75K | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLMARK BCBS EIN 42-0318333 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $5.5M |
| WELLMARK HEALTH PLAN EIN 42-1455449 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $1.2M |
| VIVID CLEAR RX EIN 85-3351935 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $753K |
| DELTA DENTAL EIN 42-0959302 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $695K |
| THE LINCOLN NATIONAL LIFE INS CO EIN 35-0472300 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $376K |
| OUTCOMES, INC. EIN 45-4156169 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $280K |
| NAVIGATE WELLBEING EIN 27-2536219 NONE | Direct payment from the plan; Other services Service code 49 | — | $168K |
| HOLMES MURPHY FINANCIAL SERVICES EIN 42-0985055 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $150K |
| HARTFORD LIFE AND ACCIDENT EIN 13-5581829 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | -$1K |
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 | 16,095 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 91 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 24,397 | $2.5M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 24,397 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,397 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.