| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP, INC | 8900 KEYSTONE CROSSING SUITE 900 INDIANAPOLIS, IN 46240 | DELTA DENTAL OF NEW YORK | $29K | $0 | $29K | 9.97% |
| ENROLLEASE3 Filed as: FIRST PERSON INC | 8900 KEYSTONE CROSSING SUITE 900 INDIANAPOLIS, TX 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | $3K | $23K | 17.26% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 306 WEST ERIE STREET 3RD FL CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.09% |
| TOTALIS BENEFITS3 | 8777 N GAINEY CTR DR STE 260 SCOTTSDALE, AZ 85258 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.29% |
| ENROLLEASE3 Filed as: FIRST PERSON INC | 8900 KEYSTONE CROSSING SUITE 900 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | $3K | $21K | 17.25% |
| TOTALIS BENEFITS3 | 8777 N GAINEY CTR DRIVE STE 260 SCOTTSDALE, AZ 85258 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.28% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 306 WEST ERIE STREET 3RD FL CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.13% |
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 8900 KEYSTONE CROSSING SUITE 900 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $262 | $4K | 3.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $150 | $150 | 0.13% |
| NFP INSURANCE SERVICES INC8 Filed as: NFP CORPORATE SERVICES IL, INC | 500 W MADISON ST STE 2760 CHICAGO, IL 60661 | RELIASTAR LIFE INSURANCE COMPANY | $9K | $0 | $9K | 15.28% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 8081 KINGSTON PIKE KNOXVILLE, TN 37919 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.00% |
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 8900 KEYSTONE CROSSING SUITE 900 INDIANAPOLIS, IN 46240 | EYEMED VISION CARE | $4K | $0 | $4K | 10.19% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS LLC | 195 BROADWAY 15TH FLOOR NEW YORK, NY 10007 | EYEMED VISION CARE | -$9 | $0 | -$9 | -0.02% |
| ENROLLEASE3 Filed as: FIRST PERSON INC | 8900 KEYSTONE CROSSING SUITE 900 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $607 | $3K | 10.83% |
| TOTALIS BENEFITS3 | 8777 N GAINEY CENTER DR STE 260 SCOTTSDALE, AZ 85258 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $416 | $416 | 1.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $347 | $347 | 1.25% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 306 WEST ERIE STREET 3RD FL CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $312 | $312 | 1.12% |
| ENROLLEASE3 Filed as: FIRST PERSON INC | 8900 KEYSTONE CROSSING SUITE 900 INDIANAPOLIS, IL 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $368 | $3K | 17.10% |
| TOTALIS BENEFITS3 | 8777 N GAINEY CTR DR STE 260 SCOTTSDALE, AZ 85258 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $262 | $262 | 1.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $210 | $210 | 1.20% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 306 WEST ERIE STREET 3RD FL CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $197 | $197 | 1.13% |
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 8900 KEYSTONE CROSSING SUITE 900 INDIANAPOLIS, IN 46240 | EYEMED VISION CARE | $129 | $0 | $129 | 10.43% |
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 | 429 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 437 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK | 357 | $291K |
| Vision(2 contracts) | EYEMED VISION CARE | 401 | $42K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 429 | $45K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 428 | $134K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 427 | $124K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 429 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 429 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.