| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 300 WALNUT STREET SUITE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 11.62% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 8.00% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS | 300 WALNUT STREET SUITE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $317 | $4K | 3.68% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 3.64% |
| USI INSURANCE SERVICES LLC3 | 300 WALNUT STREET SUITE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 11.49% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 8.00% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS | 300 WALNUT STREET SUITE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $135 | $2K | 3.82% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 3.72% |
| USI INSURANCE SERVICES LLC3 | 300 WALNUT STREET SUITE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 11.56% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 8.00% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS | 300 WALNUT STREET SUITE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $949 | $84 | $1K | 3.75% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 3.68% |
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 | 662 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 662 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 662 | $71K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 662 | $105K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 662 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 662 | — |
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.