| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NEXT GENERATION ENROLLMENT INC.3 Filed as: NEXT GENERATION ENROLLMENT INC | P.O. BOX 527 ADA, MI 49301 | DELTA DENTAL OF MICHIGAN | $86K | — | $86K | 4.96% |
| NEXT GENERATION ENROLLMENT INC.3 Filed as: NEXT GENERATION ENROLLMENT, INC. | P.O. BOX 527 ADA, MI 493010527 | VISION SERVICE PLAN | $34K | — | $34K | 5.00% |
| HEMB INSURANCE GROUP LLC3 Filed as: HEMB INSURANCE GROUP | 2801 COHO ST STE #200 MADISON, WI 537134531 | UNITY HEALTH PLANS INSURANCE CORPORATION | $14K | — | $14K | 2.80% |
| NEXT GENERATION ENROLLMENT INC.3 Filed as: NEXT GENERATION ENROLLMENT INC | 8120 CHESTNUT CREST DR ELLICOTT CITY, MD 21043 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $75K | — | $75K | 20.37% |
| NEXT GENERATION ENROLLMENT INC.3 Filed as: NEXT GENERATION ENROLLMENT, INC. | 8120 CHESTNUT CREST DR ELLICOTT CITY, MD 21043 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29K | $6K | $36K | 12.53% |
| NEXT GENERATION ENROLLMENT INC.3 Filed as: NEXT GENERATION ENROLLMENT INC | 8120 CHESTNUT CREST DR ELLICOTT CITY, MD 21043 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $76K | $4K | $80K | 40.61% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | P.O. BOX 30001 TAMPA, FL 33601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 0.69% |
| NEXT GENERATION ENROLLMENT INC.3 Filed as: NEXT GENERATION ENROLLMENT INC | 8120 CHESTNUT CREST DR ELLICOTT CITY, MD 21043 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 3.32% |
| NEXT GENERATION ENROLLMENT INC.3 Filed as: NEXT GENERATION ENROLLMENT INC | 8120 CHESTNUT CREST DR ELLICOTT CITY, MD 21043 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $53K | $4K | $57K | 34.44% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | P.O. BOX 201629 DALLAS, TX 753201629 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.85% |
| NEXT GENERATION ENROLLMENT INC.3 Filed as: NEXT GENERATION ENROLLMENT INC | 8120 CHESTNUT CREST DR ELLICOTT CITY, MD 21043 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 3.07% |
| NEXT GENERATION ENROLLMENT INC.3 Filed as: NEXT GENERATION ENROLLMENT, INC. | 8120 CHESTNUT CREST DR. ELLICOTT CITY, MD 21043 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | $2K | $22K | 22.48% |
| NEXT GENERATION ENROLLMENT INC.3 Filed as: NEXT GENERATION ENROLLMENT INC | 455 PETTIS AVE. SE. ADA, MI 49301 | HYATT LEGAL PLANS | $4K | — | $4K | 10.26% |
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 | 3,902 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,929 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 7,449 | $1.7M |
| Vision | VISION SERVICE PLAN | 4,188 | $672K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 14,083 | $467K |
| Short-term disability(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 14,083 | $633K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,326 | $242K |
| Prescription drug | UNITY HEALTH PLANS INSURANCE CORPORATION | 83 | $492K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,585 | $607K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,083 | — |
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.