| 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 | $44K | — | $44K | 10.84% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES | 400 BERWYN PARK STE. 200 BERWYN, PA 19312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $19K | $19K | 4.68% |
| JAMES T KINNEY3 | 250 ALDRICH AVE WARWICK, RI 02889 | TRANSAMERICA LIFE INSURANCE COMPANY | $16K | — | $16K | 21.91% |
| NICHOLAS L SULLIVAN4 | 4418 SNOWCREST LN RALEIGH, NC 27616 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $320 | — | $320 | 6.01% |
| HAROLD WERTICH4 | 105 ARCHDALE DR. JACKSONVILLE, NC 28546 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $129 | — | $129 | 2.42% |
| WALTER M WATSON JR4 | 76 ROSS FARM LN CLAYTON, NC 27527 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $56 | — | $56 | 1.05% |
| RUTH A ANDERSON4 | 331 S FAYETTEVILLE ST CLAYTON, NC 27520 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $43 | — | $43 | 0.81% |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 227 | $405K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 227 | $405K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 227 | $480K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 227 | $405K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 227 | $405K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 227 | $485K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.