| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE BENEFIT DESIGN3 Filed as: CORPORATE BENEFITS CONSORTIUM LLC | 11755 E PEAKVIEW AVENUE, SUITE 250 ENGLEWOOD, CO 80111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 2.32% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $645 | — | $645 | 0.42% |
| CORPORATE BENEFIT DESIGN3 Filed as: CORPORATE BENEFITS CONSORTIUM LLC | 11755 E PEAKVIEW AVENUE, SUITE 250 ENGLEWOOD, CO 80111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 9.64% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 5.36% |
| CORPORATE BENEFIT DESIGN3 Filed as: CORPORATE BENEFITS CONSORTIUM LLC | 11755 E PEAKVIEW AVENUE, SUITE 250 ENGLEWOOD, CO 80111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.93% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $522 | — | $522 | 0.59% |
| CORPORATE BENEFIT DESIGN3 Filed as: CORPORATE BENEFITS CONSORTIUM LLC | 11755 E PEAKVIEW AVENUE, SUITE 250 ENGLEWOOD, CO 80111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 9.32% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.68% |
| CORPORATE BENEFIT DESIGN3 Filed as: CORPORATE BENEFITS CONSORTIUM, LLC | 11755 E PEAKVIEW AVENUE, SUITE 250 ENGLEWOOD, CO 80111 | VISION SERVICE PLAN | $5K | — | $5K | 9.04% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | VISION SERVICE PLAN | $3K | — | $3K | 5.96% |
| UNION AGENCY, INC.3 Filed as: UNION AGENCY INC | PO BOX 6205 LINCOLN, NE 68506 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.97% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 6.63% |
| CORPORATE BENEFIT DESIGN3 Filed as: CORPORATE BENEFITS CONSORTIUM LLC | 11755 E PEAKVIEW AVENUE, SUITE 250 ENGLEWOOD, CO 80111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.90% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $951 | — | $951 | 5.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| APTA HEALTH EIN 47-4033163 BROKER | Insurance agents and brokers Service code 22 | — | $137K |
| MERITAIN HEALTH EIN 16-1264154 TPA | Contract Administrator; Participant communication; Claims processing Service code 12 | — | $123K |
| CORPORATE BENEFITS CONSORTIUM EIN 46-1359884 BROKER | Insurance agents and brokers Service code 22 | — | $44K |
| UNION AGENCY,INC. EIN 47-0487861 BROKER | Insurance agents and brokers Service code 22 | — | $18K |
| LOCKTON COMPANIES, LLC EIN 90-0007886 BROKER | Insurance agents and brokers Service code 22 | — | $8K |
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 | 930 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 937 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 294 | $58K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 607 | $171K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 541 | $155K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 171 | $107K |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 930 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 930 | — |
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.