| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES | 1200 N MAYFAIR RD #100 MILWAUKEE, WI 53226 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37K | — | $37K | 3.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES | 144 TURNPIKE ROAD, STE 330 SOUTHBOROUGH, MA 01772 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | — | $27K | 2.35% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES | 227 W MONROE ST, STE 5200 CHICAGO, IL 60606 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $13K | $13K | 1.16% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1200 MAIN ST, STE 2310 KANSAS CITY, MO 64105 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $11K | $11K | 0.97% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1200 MAIN ST, STE 2310 KANSAS CITY, MO 64105 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $8K | $8K | 1.54% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES | 227 W MONROE ST, STE 5200 CHICAGO, IL 60606 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $7K | $7K | 1.50% |
| HAYS COMPANIES, INC.3 | 1200 MAIN STREET STE 2310 KANSAS CITY, MO 641052345 | VISION SERVICE PLAN | $16K | — | $16K | 3.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $6K | — | $6K | 1.52% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST STE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $5K | — | $5K | 1.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES INC | 1200 MAIN STREET STE 2310 KANSAS CITY, MO 64105 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $56K | $14K | $70K | 25.19% |
| BENEFITFOCUS.COM, INC.3 Filed as: BENEFITFOCUSCOM INC | PO BOX 123383 DEPT 3383 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $14K | $14K | 5.00% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE STREET STE 300 CHICAGO, IL 60654 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES INC | 1200 MAIN STREET STE 2310 KANSAS CITY, MO 64105 | LINCOLN NATIOINAL LIFE INSURANCE COMPANY | $51K | $13K | $64K | 25.27% |
| BENEFITFOCUS.COM, INC.3 Filed as: BENEFITFOCUSCOM INC | PO BOX 123383 DEPT 3383 DALLAS, TX 75312 | LINCOLN NATIOINAL LIFE INSURANCE COMPANY | $0 | $13K | $13K | 5.00% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE STREET STE 300 CHICAGO, IL 606543902 | LINCOLN NATIOINAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.50% |
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 | 3,355 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,620 | $534K |
| Vision | VISION SERVICE PLAN | 2,338 | $393K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,355 | $1.1M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,963 | $488K |
| Other(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,269 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,269 | — |
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.