| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REYNOLDS & REYNOLDS INC3 | 300 WALNUT ST. SUITE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29K | $8K | $37K | 19.12% |
| BENEUSA LLC3 Filed as: BENEUSA | 1851 LAKE DRIVE WEST SUITE 350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $15K | $15K | 8.00% |
| REYNOLDS & REYNOLDS INC Filed as: REYNOLDS & REYNOLDS | 300 WALNUT ST 200 DES MOINES, IA 50309 | UNITEDHEALTHCARE INSURANCE COMPANY | $297 | — | $297 | 0.22% |
| REYNOLDS & REYNOLDS INC3 | 300 WALNUT ST. SUITE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $5K | $24K | 19.33% |
| BENEUSA LLC3 | 1851 LAKE DRIVE WEST SUITE 350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $10K | $10K | 8.00% |
| REYNOLDS & REYNOLDS INC3 | 300 WALNUT ST. SUITE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $3K | $15K | 19.48% |
| BENEUSA LLC3 Filed as: BENEUSA | 1851 LAKE DRIVE WEST SUITE 350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 8.00% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS | 300 WALNUT ST. SUITE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $3K | $11K | 19.49% |
| BENEUSA LLC3 Filed as: BENEUSA | 1851 LAKE DRIVE WEST SUITE 350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 8.00% |
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 | 5,052 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,052 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,163 | $138K |
| Vision(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 5,052 | $733K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,680 | $315K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 673 | $57K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 5,052 | $596K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,680 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,052 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.