| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 2150 S. CENTRAL EXPRESSWAY SUITE 280 MCKINNEY, TX 75070 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $409 | $3K | 22.70% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DR #200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 11.56% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 3860 FABER PLACE DR, STE 400 NORTH CHARLESTON, SC 29405 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $500 | — | $500 | 3.44% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DR #200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 11.07% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 3860 FABER PLACE DR, STE 400 NORTH CHARLESTON, SC 29405 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $454 | — | $454 | 3.93% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DR #200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $332 | — | $332 | 11.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 3860 FABER PLACE DR, STE 400 NORTH CHARLESTON, SC 29405 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $120 | — | $120 | 3.98% |
| AP BENEFITS ADVISORS LLC3 | 10 NORTH PARK DR #200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $180 | — | $180 | 11.24% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 3860 FABER PLACE DR STE 400 NORTH CHARLESTON, SC 29405 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $60 | — | $60 | 3.75% |
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 | 99 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 69 | $18K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 16 | $12K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 18 | $2K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 69 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 69 | — |
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.