| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARTIN A HAITZ, III3 | 3 BALA PLAZA EAST STE 700 BALA CYNWYD, PA 19004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | — | $23K | 8.00% |
| MARCUM FINANCIAL SERVICES, LLC3 | 10 MELVILLE PARK ROAD MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 0.52% |
| MARCUM FINANCIAL SERVICES, LLC3 | 10 MELVILLE PARK ROAD MELVILLE, NY 11747 | VISION SERVICE PLAN | $3K | — | $3K | 2.24% |
| UNIVERS WORKPLACE BENEFITS3 | 897 12TH ST 1 HAMMONTON, NJ 08037 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $71K | — | $71K | 50.11% |
| MARTIN A HAITZ, III3 | 3 BALA PLAZA EAST STE 700 BALA CYNWYD, PA 19004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | — | $21K | 14.86% |
| MARCUM FINANCIAL SERVICES, LLC3 | 10 MELVILLE PARK ROAD MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 4.05% |
| MARTIN A HAITZ, III3 | 3 BALA PLAZA EAST STE 700 BALA CYNWYD, PA 19004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 12.50% |
| MARCUM FINANCIAL SERVICES, LLC3 | 10 MELVILLE PARK ROAD MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $502 | $502 | 0.44% |
| UNIVERS WORKPLACE BENEFITS3 | 897 12TH ST 1 HAMMONTON, NJ 08037 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $48K | — | $48K | 53.70% |
| MARTIN A HAITZ, III3 | 3 BALA PLAZA EAST STE 700 BALA CYNWYD, PA 19004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | — | $15K | 16.12% |
| MARCUM FINANCIAL SERVICES, LLC3 | 10 MELVILLE PARK ROAD MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 3.99% |
| MARTIN A HAITZ, III3 | 3 BALA PLAZA EAST STE 700 BALA CYNWYD, PA 19004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 12.50% |
| MARCUM FINANCIAL SERVICES, LLC3 | 10 MELVILLE PARK ROAD MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $243 | $243 | 0.66% |
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 | 2,736 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,738 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,446 | $144K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,736 | $287K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 653 | $151K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE | 2,303 | $229K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 665 | $232K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,736 | — |
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.