| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARCOTTE INSURANCE AGENCY INC3 Filed as: MARCOTTE INSURANCE AGENCY, INC. | 9394 W DODGE RD STE. 250 OMAHA, NE 68114 | VISION SERVICE PLAN | $5K | — | $5K | 1.85% |
| AON CONSULTING INC3 | 75 REMITTANCE DR. #1446 CHICAGO, IL 60675 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | — | $24K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 75 REMITTANCE DR. #1446 CHICAGO, IL 60675 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 75 REMITTANCE DR. #1446 CHICAGO, IL 60675 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 4.70% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $27K | — | $27K | 35.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 75 REMITTANCE DR. #1446 CHICAGO, IL 60675 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.11% |
| AON CONSULTING INC3 | 75 REMITTANCE DR. #1446 CHICAGO, IL 60675 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | — | $12K | 54.96% |
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 | 2,631 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,642 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONTINENTAL AMERICAN INSURANCE COMPANY | 182 | $22K |
| Vision | VISION SERVICE PLAN | 1,378 | $269K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,669 | $179K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 988 | $244K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,014 | $121K |
| Other(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,669 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,669 | — |
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.