| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $47K | $3K | $50K | 6.99% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROGRAM, INC. | 897 12TH STREET, SUITE 1 HAMMONTON, NJ 08037 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $8K | $18K | 2.51% |
| MARTIN J. DELUCA3 Filed as: MARTIN HAITZ, III | 1600 MARKET STREET 32ND FLOOR PHILADELPHIA, PA 19103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $0 | $14K | 1.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO RADNOR CORPORATE CENTER SUITE 110 RADNOR, PA 19087 | HCC LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MATSONFORD ROAD RADNOR, PA 19087 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.28% |
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 | 2,557 | 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) | 2,557 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,143 | $136K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,557 | $715K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,557 | $715K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 2,068 | $143K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,557 | $715K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,557 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.