| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), LLC | 3445 PEACHTREE ROAD NE STE. 200 ATLANTA, GA 30326 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | $8K | $29K | 16.86% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.83% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.47% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), LLC | 3445 PEACHTREE ROAD NE STE. 200 ATLANTA, GA 30326 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $5K | $20K | 16.75% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.56% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.35% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), LLC | 3445 PEACHTREE ROAD NE STE. 200 ATLANTA, GA 30326 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $4K | $20K | 20.86% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.40% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.34% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), LLC | 3445 PEACHTREE ROAD NE STE. 200 ATLANTA, GA 30326 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $3K | $15K | 21.21% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $996 | $996 | 1.46% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP, INC. | 3445 PEACHTREE ROAD NE STE. 200 ATLANTA, GA 30326 | EYEMED VISION CARE | $3K | $0 | $3K | 7.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), LLC | 1901 ROXBOROUGH RD, STE 300 CHARLOTTE, NC 28211 | EYEMED VISION CARE | $3K | — | $3K | 7.50% |
| TOTALIS CONSUMER BENEFIT SOLUTIONS3 Filed as: TOTALIS CONSUMER BENEFIT SOLUTIONS, | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.82% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), LLC | 3445 PEACHTREE ROAD NE STE. 200 ATLANTA, GA 30326 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $460 | $2K | 21.09% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $351 | $0 | $351 | 3.52% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $146 | $146 | 1.46% |
| LAMONICA DEBOWLES4 | 3792 ARDSLEY CT MARIETTA, GA 30062 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $913 | $0 | $913 | 9.45% |
| ATEAM CONSULTANTS LLC4 | 723 OAK MOUNTAIN RD NW KENNESAW, GA 30152 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $543 | $0 | $543 | 5.62% |
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 | 377 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 383 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 320 | $42K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 373 | $162K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 373 | $171K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 373 | $122K |
| Other(5 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 449 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 449 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.