| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD M GREENER | PO BOX 10006 FARGO, ND 58106 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.29% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: WELLS FGO INS SVCS USA INC. | 400 HWY 169 S STE 800 ST LOUIS PARK, MN 55426 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 5.14% |
| KRISTINE D HUBER | 1831 CYPRESS WAY WEST FARGO, ND 58078 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $357 | — | $357 | 1.57% |
| RICHARD M GREENER | PO BOX 10006 FARGO, ND 58106 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.12% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: WELLS FARGO INS SVCS USA INC. | 400 HWY 169 S STE 800 ST LOUIS PARK, MN 55426 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.11% |
| KRISTINE D HUBER | 1831 CYPRESS WAY WEST FARGO, ND 58078 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $394 | — | $394 | 1.78% |
| RICHARD M GREENER | PO BOX 10006 FARGO, ND 58106 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $703 | — | $703 | 6.31% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: WELLS FGO INS SVCS USA INC | 400 HWY 169 S STE 800 ST LOUIS PARK, MN 55426 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $569 | — | $569 | 5.11% |
| KRISTINE D HUBER | 1831 CYPRESS WAY WEST FARGO, ND 58078 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $176 | — | $176 | 1.58% |
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 | 204 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 208 | $22K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 10 | $11K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 94 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.