| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSPRO INC3 Filed as: INSPRO INC. | PO BOX 689 FREMONT, NE 68025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.43% |
| OCI INSURANCE AND FNCL SVCS INC3 Filed as: OCI INSURANCE AND FNCL SVCS INC. | 4221 N 203RD ST #200 OMAHA, NE 68116 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $293 | $718 | $1K | 2.94% |
| OCI INSURANCE AND FNCL SVCS INC3 | 4221 N 203RD ST, #100 OMAHA, NE 68116 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $556 | $2K | 6.27% |
| INSPRO INC3 Filed as: INSPRO INS | PO BOX 689 FREMONT, NE 68025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.82% |
| INSPRO INC3 Filed as: ISPRO INSURANCE | PO BOX 689 FREMONT, NE 68025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $601 | — | $601 | 4.85% |
| OCI INSURANCE AND FNCL SVCS INC3 | 4221 N 203RD ST, #200 OMAHA, NE 68116 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $297 | $258 | $555 | 4.48% |
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 | 148 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 148 | $34K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 148 | $12K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 148 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.