| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 9.76% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 5.85% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9201 AUSTIN, TX 78766 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.64% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 7.40% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9201 AUSTIN, TX 78766 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.76% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 6.82% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9201 AUSTIN, TX 78766 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $773 | $773 | 5.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | AMERITAS LIFE INSURANCE CORP | $0 | $103 | $103 | 0.79% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 CHERAPA PL STE 501 SIOUX FALLS, SD 57103 | AMERITAS LIFE INSURANCE CORP | $0 | $0 | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $692 | $0 | $692 | 14.63% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $323 | $323 | 6.83% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9201 AUSTIN, TX 78766 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $237 | $237 | 5.01% |
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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 89 | $77K |
| Vision | AMERITAS LIFE INSURANCE CORP | 182 | $13K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 169 | $32K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 116 | $15K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 116 | $5K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 169 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.