| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RMC SOLUTIONS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $19K | $19K | 8.97% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 1.89% |
| RMC SOLUTIONS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $13K | $13K | 8.61% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 1.91% |
| RMC SOLUTIONS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPNAY | $14K | $9K | $22K | 22.20% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPNAY | — | $2K | $2K | 1.92% |
| J2T2 ENTERPRISES INC3 | 10135 SO 162ND ST OMAHA, NE 68136 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 8.07% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 4.74% |
| TODD H BURRER3 | 17445 ARBOR STREET SUITE 300 OMAHA, NE 68130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.78% |
| MARK FRIEHE3 | 4611 S 96TH ST STE 101 OMAHA, NE 68127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $714 | — | $714 | 1.11% |
| EJ ENTERPRISES3 | 10135 SO 162ND ST OMAHA, NE 68136 | CONTINENTAL AMERICAN INSURANCE COMPANY | $576 | — | $576 | 0.90% |
| STEVEN R YENNEY3 Filed as: STEVEN R YENNY | 4251 N 165TH ST OMAHA, NE 68116 | CONTINENTAL AMERICAN INSURANCE COMPANY | $450 | — | $450 | 0.70% |
| GREG A LITZ3 | 2005 GATEWAY DR GRAND FORKS, ND 58203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $280 | — | $280 | 0.44% |
| THOMAS E SHEFFIELD3 | PO BOX 151 MCCOOL JUNCTION, NE 68401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $279 | — | $279 | 0.43% |
| CYNTHIA D WELKEN-PLACE3 Filed as: CYNTHIA WELKEN-PLACE | 14710 W DODGE ROAD STE 200 OMAHA, NE 68154 | CONTINENTAL AMERICAN INSURANCE COMPANY | $164 | — | $164 | 0.25% |
| KENNETH R THOMASON3 Filed as: KENNETH THOMASON | 14710 WEST DODGE ROAD STE 200 OMAHA, NE 68154 | CONTINENTAL AMERICAN INSURANCE COMPANY | $128 | — | $128 | 0.20% |
| MICHAEL S CEJKA3 | 613 CEDAR ST HICKMAN, NE 68372 | CONTINENTAL AMERICAN INSURANCE COMPANY | $112 | — | $112 | 0.17% |
| KIMBERLY DIAN CROCKETT3 Filed as: KIMBERLY D CROCKETT | 732 SILVER SANDS DR CORDOVA, TN 38018 | CONTINENTAL AMERICAN INSURANCE COMPANY | $89 | — | $89 | 0.14% |
| MICHAEL COPPESS3 | 4910 DODGE ST STE 107 OMAHA, NE 68132 | CONTINENTAL AMERICAN INSURANCE COMPANY | $79 | — | $79 | 0.12% |
| KACHATURIAN ENTERPRISES INC3 | 530 S 161ST CIRCLE OMAHA, NE 68116 | CONTINENTAL AMERICAN INSURANCE COMPANY | $77 | — | $77 | 0.12% |
| CATHERINE LEPORE3 | KELLYDALE ST NW MASSILLON, OH 44646 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 0.06% |
| GREGORY D HILL3 Filed as: GREGORY HILL | 16142 SWALLOW TAIL PL MIDLOTHIAN, VA 23113 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.02% |
| RMC SOLUTIONS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 8.66% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $567 | $567 | 1.79% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | HYATT LEGAL PLANS | $2K | $95 | $2K | 10.56% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $706K |
| CRAWFORD ADVISORS, LLC EIN 30-0837157 BENEFIT ADMINISTRATION | Contract Administrator; Claims processing Service code 12 | — | $241K |
| THE LINCOLN NATIONAL LIFE INS CO EIN 35-0472300 STD ADMINISTRATOR | Claims processing Service code 12 | — | $50K |
| CIGNA HEATH AND LIFE INS COMPANY EIN 59-1031071 DENTAL ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $46K |
| EXPRESS SCRIPTS, INC EIN 22-3461740 RX ADMINISTRATOR | Claims processing Service code 12 | — | $38K |
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 | 1,647 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 24 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,696 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 626 | $88K |
| Vision | VISION SERVICE PLAN | 921 | $141K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPNAY | 1,647 | $100K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 666 | $147K |
| Other(9 contracts, 7 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,647 | $554K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,647 | — |
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.