| 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 | $125K | — | $125K | 18.74% |
| BENEUSA LLC3 Filed as: BENEUSA, LLC | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $56K | — | $56K | 8.35% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 300 WALNUT ST 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | — | $23K | 3.45% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS, INC. | 300 WALNUT, STE. 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $90K | — | $90K | 21.23% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 300 WALNUT ST 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $39K | — | $39K | 9.28% |
| BENEUSA LLC3 Filed as: BENEUSA, LLC | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | — | $15K | 3.43% |
| REYNOLDS & REYNOLDS INC3 | 300 WALNUT ST. SUITE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37K | $3K | $40K | 10.98% |
| BENEUSA LLC3 Filed as: BENEUSA | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $29K | $29K | 8.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 300 WALNUT ST 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | — | $18K | 4.78% |
| REYNOLDS & REYNOLDS INC3 | 300 WALNUT ST. SUITE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | $2K | $24K | 10.80% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $18K | $18K | 8.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVCIES | 300 WALNUT ST 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 4.95% |
| REYNOLDS & REYNOLDS INC3 | 300 WALNUT ST. SUITE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $1K | $17K | 10.81% |
| BENEUSA LLC3 Filed as: BENEUSA | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $12K | $12K | 8.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 300 WALNUT ST 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 4.94% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS | 300 WALNUT ST. SUITE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $897 | $13K | 10.79% |
| BENEUSA LLC3 Filed as: BENEUSA | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $10K | $10K | 8.00% |
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCE SERVICES | 300 WALNUT ST 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 4.97% |
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 | 5,347 | 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) | 5,347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,539 | $588K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,161 | $154K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,167 | $119K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,539 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,539 | — |
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.