| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $45K | $12K | $57K | 13.70% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES | 400 BERWYN PARK STE. 200 BERWYN, PA 19312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $20K | $20K | 4.68% |
| JAMES T KINNEY3 | 250 ALDRICH AVE WARWICK, RI 02889 | TRANSAMERICA LIFE INSURANCE COMPANY | $15K | — | $15K | 21.85% |
| NICHOLAS L SULLIVAN4 | 4418 SNOWCREST LN RALEIGH, NC 27616 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $314 | — | $314 | 6.35% |
| HAROLD WERTICH4 | 105 ARCHDALE DR. JACKSONVILLE, NC 28546 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $151 | — | $151 | 3.05% |
| RUTH A ANDERSON4 | 331 S FAYETTEVILLE ST CLAYTON, NC 27520 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $115 | — | $115 | 2.32% |
| WALTER M WATSON JR4 | 76 ROSS FARM LN CLAYTON, NC 27527 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $47 | — | $47 | 0.95% |
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 | 229 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 293 | $685K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 230 | $417K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 230 | $417K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 239 | $485K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 230 | $417K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 230 | $417K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 239 | $490K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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.