| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | 1901 ROXBOROUGH RD. STE 300 CHARLOTTE, NC 28211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $8K | $24K | 25.03% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 4.17% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | 1901 ROXBOROUGH RD. STE 300 CHARLOTTE, NC 28211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $3K | $9K | 23.44% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 3.82% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $709 | $709 | 1.94% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | 1901 ROXBOROUGH RD. STE 300 CHARLOTTE, NC 282115588 | AMERITAS LIFE INSURANCE CORP. | $4K | — | $4K | 14.98% |
| GIS BENEFITS INC3 Filed as: GIS BENEFIT INC | 422 WAUPONSEE ST MORRIS, IL 604502215 | AMERITAS LIFE INSURANCE CORP. | — | $744 | $744 | 2.72% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | 1901 ROXBOROUGH RD. STE 300 CHARLOTTE, NC 28211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $4K | 26.03% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $647 | $647 | 4.08% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $407 | $407 | 2.56% |
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 | 436 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 438 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP. | 605 | $27K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 398 | $111K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 134 | $37K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 398 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 605 | — |
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.