| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $206K | $206K | 3.76% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP, INC | 8900 KEYSTONE CROSSING SUITE 900 INDIANAPOLIS, IN 46240 | DELTA DENTAL OF NEW YORK | $33K | $0 | $33K | 10.00% |
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 8900 KEYSTONE CROSSING SUITE 900 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $474 | $4K | 2.46% |
| ALTERITY BROKER SOLUTIONS3 | 8777 N GAINEY CENTER DR SUITE 260 SCOTTSDALE, AZ 85258 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.60% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES, INC | 306 WEST ERIE STREET 3RD FLOOR CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.57% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $214 | $214 | 0.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TEXAS HWY SUITE 900 AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | $736 | $27K | 15.43% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES, INC | 306 WEST ERIE STREET 3RD FLOOR CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.50% |
| ALTERITY BROKER SOLUTIONS3 | 8777 N GAINEY CENTER DR SUITE 260 SCOTTSDALE, AZ 85258 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.09% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $360 | $360 | 0.21% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TEXAS HWY SUITE 900 AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | $1K | $25K | 15.73% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES, INC | 306 WEST ERIE STREET 3RD FLOOR CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.50% |
| ALTERITY BROKER SOLUTIONS3 | 8777 N GAINEY CENTER DR SUITE 260 SCOTTSDALE, AZ 85258 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.09% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $542 | $542 | 0.34% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 500 W MADISON ST STE 2760 CHICAGO, IL 60661 | RELIASTAR LIFE INSURANCE COMPANY | $39K | $0 | $39K | 54.93% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT, LLC | 8081 KINGSTON PIKE KNOXVILLE, TN 37919 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.00% |
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 8900 KEYSTONE CROSSING SUITE 900 INDIANAPOLIS, IN 46240 | EYEMED VISION CARE ON BEHALLF OF FIDELITY SECURITY LIFE INSURANCE CO. | $5K | $0 | $5K | 11.05% |
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 8900 KEYSTONE CROSSING SUITE 900 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 10.90% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES, INC | 306 WEST ERIE STREET 3RD FLOOR CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $520 | $520 | 1.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $520 | $520 | 1.50% |
| ALTERITY BROKER SOLUTIONS3 | 8777 N GAINEY CENTER DR SUITE 260 SCOTTSDALE, AZ 85258 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $379 | $379 | 1.09% |
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 8900 KEYSTONE CROSSING SUITE 900 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $738 | $4K | 18.51% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $328 | $328 | 1.56% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES, INC | 306 WEST ERIE STREET 3RD FLOOR CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $315 | $315 | 1.50% |
| ALTERITY BROKER SOLUTIONS3 | 8777 N GAINEY CENTER DR SUITE 260 SCOTTSDALE, AZ 85258 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $228 | $228 | 1.08% |
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 8900 KEYSTONE CROSSING SUITE 900 INDIANAPOLIS, IN 46240 | THE HARTFORD LIFE AND ACCIDENT | -$26 | $0 | -$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 | 430 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 58 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 488 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 486 | $5.5M |
| Dental | DELTA DENTAL OF NEW YORK | 445 | $330K |
| Vision | EYEMED VISION CARE ON BEHALLF OF FIDELITY SECURITY LIFE INSURANCE CO. | 468 | $49K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 488 | $56K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 488 | $173K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 488 | $160K |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 488 | $285K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 488 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.