| 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 | $88K | $0 | $88K | 11.42% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROG, INC. | 897 12TH STREET, SUITE ONE HAMMONTON, NJ 08037 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $7K | $14K | 1.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.40% |
| MARTIN J. DELUCA3 Filed as: MARTIN HAITZ III | 1600 MARKET STREET, 32ND FLOOR PHILADELPHIA, PA 19103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $806 | $0 | $806 | 0.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO RADNOR CORPORATE CENTER SUITE 110 RADNOR, PA 19087 | HCC LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MATSONFORD ROAD RADNOR, PA 19087 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.35% |
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 | 2,439 | 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) | 2,439 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,199 | $126K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,439 | $771K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,439 | $771K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 1,764 | $149K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,439 | $771K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,439 | — |
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.