| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES LLC | 16820 FRANCES ST STE 202 OMAHA, NE 68130 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $728 | $728 | 2.08% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES LLC | 16820 FRANCES ST STE 202 OMAHA, NE 68130 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $416 | $416 | 2.08% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES LLC | 16820 FRANCES ST STE 202 OMAHA, NE 68130 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $303 | $303 | 2.07% |
| DAVE BECK & ASSOCIATES INC3 | 19007 BOYD ST ELKHORN, NE 68022 | AFLAC | $902 | — | $902 | 6.90% |
| SCHRIER BENEFITS INC3 | PO BOX 21 PLATTSMOUTH, NE 68048 | AFLAC | $156 | — | $156 | 1.19% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1305 WALT WHITMAN RD STE 310 MELVILLE, NY 11747 | AFLAC | $104 | — | $104 | 0.80% |
| MITCHELL FRIEHE & ASSOCIATES INC3 | 16909 PALISADES DR OMAHA, NE 68136 | AFLAC | $33 | — | $33 | 0.25% |
| WILLINGHAM INC3 | 35354 MISSION BELLEVIEW RD LOUISBURG, KS 66053 | AFLAC | $15 | — | $15 | 0.11% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES LLC | 16820 FRANCES ST STE 202 OMAHA, NE 68130 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $914 | — | $914 | 10.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $190 | $190 | 2.08% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES LLC | 16820 FRANCES ST STE 202 OMAHA, NE 68130 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $203 | — | $203 | 9.98% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $42 | $42 | 2.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PATRIOT GROWTH INS SVCS LLC | Insurance agents and brokers Service code 22 | 16820 FRANCES STREET, STE 202 OMAHA, NE 68130 | $24K |
| AUXIANT | Insurance agents and brokers Service code 22 | 424 FIRST AVENUE NORTHEAST CEDAR RAPIDS, IA 52401 | $5K |
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 | 97 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 97 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 97 | $26K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 97 | $35K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 97 | $20K |
| Other(3 contracts, 2 carriers) | AFLAC | 97 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 97 | — |
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.