| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN, INC. | PO BOX 1313 ORLANDO, FL 32802 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $52K | — | $52K | 5.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $16K | $16K | 1.59% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $41K | — | $41K | 5.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 1.02% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN, INC. | PO BOX 1313 ORLANDO, FL 32802 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $41K | — | $41K | 5.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $13K | $13K | 1.63% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVENUE SUITE 203 ORLANDO, FL 32801 | RELIASTAR LIFE INSURANCE COMPANY | $146K | — | $146K | 25.53% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIASTAR LIFE INSURANCE COMPANY | — | $18K | $18K | 3.23% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITSADMINISTRATION | 101 SOUTH GARLAND AVENUE SUITE 203 ORLANDO, FL 32801 | TRANSAMERICA LIFE INSURANCE COMPANY | $229K | — | $229K | 98.31% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $630 | — | $630 | 10.01% |
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 | 4,909 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,922 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 4,302 | $305K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,285 | $1.1M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,548 | $1.0M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,477 | $815K |
| Other(5 contracts, 5 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 10,500 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,500 | — |
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.