| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF FL | PO BOX 955909 SAINT LOUIS, MO 63195 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | $0 | $20K | 4.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 8 CADILLAC DR STE 200 BRENTWOOD, TN 37027 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $0 | $17K | 4.15% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF FL | PO BOX 955909 SAINT LOUIS, MO 63195 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $0 | $12K | 5.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 8 CADILLAC DR STE 200 BRENTWOOD, TN 37027 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 4.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | $0 | $13K | 7.59% |
| AON CONSULTING INC2 Filed as: AON RISK SERVICES OF FL | 13901 SUTTON PARK DRIVE SOUTH BLDG C STE 360 JACKSONVILLE, FL 32224 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | $0 | $13K | 7.41% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NC, LLC | 64 LONG SHOALS ROAD SUITE 10 ARDEN, NC 28704 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4 | $0 | $4 | 0.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF FL | 13901 SUTTON PARK DRIVE SOUTH BUILDING C SUITE 360 JACKSONVILLE, FL 32224 | SUN LIFE ASSURANCE COMPANY OF CANADA | $24K | $0 | $24K | 17.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD 5TH FL ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $17K | $0 | $17K | 12.51% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $0 | $1K | 0.76% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF FL | PO BOX 955909 SAINT LOUIS, MO 63195 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 8.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 8 CADILLAC DR STE 200 BRENTWOOD, TN 37027 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 6.79% |
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 | 1,044 | 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) | 1,044 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,104 | $177K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 869 | $210K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 336 | $499K |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,104 | $315K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,104 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.