| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM MATTHEW MCINNES3 | 3500 W 75TH ST # 200 PRAIRIE VILLAGE, KS 66208 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $67K | $0 | $67K | 25.00% |
| FISHCO INC3 | 227 N LYNN ST BRYAN, OH 43506 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 2.35% |
| WILLIAM MATTHEW MCINNES3 | 3500 W 75TH ST # 200 PRAIRIE VILLAGE, KS 66208 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.40% |
| FISHCO INC3 | 227 N LYNN ST BRYAN, OH 43506 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $303 | $0 | $303 | 0.31% |
| WILLIAM MATTHEW MCINNES3 | 3500 W 75TH ST # 200 PRAIRIE VILLAGE, KS 66208 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $0 | $14K | 15.00% |
| FISHCO INC3 | 227 N LYNN ST BRYAN, OH 43506 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.33% |
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 | 718 | 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) | 718 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,396 | $362K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 952 | $140K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,176 | $98K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,396 | $363K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,396 | — |
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.