| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAUSER INC3 | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $43K | $22K | $64K | 10.91% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 3.87% |
| FREESTONE FINANCIAL LLC3 Filed as: FREESTONE FINANCIAL, LLC | 8501 NORTH SCOTTSDALE ROAD #160 PARADISE VALLEY, AZ 85253 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 2.02% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $17K | $17K | 5.00% |
| FREESTONE FINANCIAL LLC3 Filed as: FREESTONE FINANCIAL | 7975 NORTH HAYDEN ROAD SUITE C300 SCOTTSDALE, AZ 85253 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 1.16% |
| HAUSER INC3 Filed as: HAUSER | 5905 EAST GALBRAITH ROAD #9000 CINCINNATI, OH 45236 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | $12K | $35K | 14.15% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $12K | $12K | 5.00% |
| FREESTONE FINANCIAL LLC3 Filed as: FREESTONE FINANCIAL | 7975 NORTH HAYDEN ROAD SUITE C300 SCOTTSDALE, AZ 85253 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 0.77% |
| HAUSER INC3 Filed as: HAUSER | 5905 EAST GALBRAITH ROAD #9000 CINCINNATI, OH 45236 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | $9K | $30K | 18.22% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $56 | $8K | $8K | 5.00% |
| FREESTONE FINANCIAL LLC3 Filed as: FREESTONE FINANCIAL | 7975 NORTH HAYDEN ROAD SUITE C300 SCOTTSDALE, AZ 85253 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.12% |
| HAUSER INC3 | 5905 EAST GALBRAITH ROAD # 9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $4K | $14K | 18.29% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| FREESTONE FINANCIAL LLC3 | 8130 NORTH 86TH PLACE SCOTTSDALE, AZ 85258 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $958 | — | $958 | 1.24% |
| HAUSER INC3 | 5905 EAST GALBRAITH ROAD # 9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $4K | $13K | 18.76% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| FREESTONE FINANCIAL LLC3 | 8130 NORTH 86TH PLACE SCOTTSDALE, AZ 85258 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $838 | — | $838 | 1.18% |
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 | 1,093 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,094 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 760 | $591K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 760 | $591K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,115 | $167K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 502 | $350K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 414 | $249K |
| Other(3 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,115 | $316K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,115 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.