| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS, INC. | 300 WALNUT, STE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $177K | $22K | $198K | 30.00% |
| BENEUSA LLC3 Filed as: BENEUSA, LLC | 1851 LAKE DRIVE WEST, STE 350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $33K | — | $33K | 5.03% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS, INC. | 300 WALNUT, STE. 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $134K | $19K | $153K | 36.66% |
| BENEUSA LLC3 Filed as: BENEUSA, LLC | 1851 LAKE DRIVE WEST, STE 350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | — | $21K | 5.03% |
| REYNOLDS & REYNOLDS INC3 | 300 WALNUT ST. SUITE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $50K | $15K | $65K | 19.61% |
| BENEUSA LLC3 Filed as: BENEUSA | 1851 LAKE DRIVE WEST SUITE 350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $27K | $27K | 8.00% |
| REYNOLDS & REYNOLDS INC3 | 300 WALNUT ST. SUITE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $32K | $9K | $42K | 19.40% |
| BENEUSA LLC3 | 1851 LAKE DR W 350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $17K | $17K | 8.00% |
| REYNOLDS & REYNOLDS INC3 | 300 WALNUT ST. SUITE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | $7K | $29K | 19.41% |
| BENEUSA LLC3 Filed as: BENEUSA | 1851 LAKE DRIVE WEST SUITE 350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $12K | $12K | 8.00% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS | 300 WALNUT ST. SUITE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $5K | $22K | 19.39% |
| BENEUSA LLC3 Filed as: BENEUSA | 1851 LAKE DRIVE WEST SUITE 350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $9K | $9K | 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 | 5,633 | 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) | 5,633 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,622 | $547K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,132 | $150K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,132 | $115K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,622 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,622 | — |
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.