| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PALADIN HIB ADVISORS LLC3 | 2838 HILLCREEK DR AUGUSTA, GA 30909 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $773 | $9K | 10.92% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 5.69% |
| PALADIN HIB ADVISORS LLC3 | 2838 HILLCREEK DR AUGUSTA, GA 30909 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $1K | $12K | 16.83% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 6.37% |
| PALADIN HIB ADVISORS LLC3 | 2838 HILLCREEK AUGUSTA, GA 30909 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $133 | $133 | 0.92% |
| PALADIN HIB ADVISORS LLC3 | 2838 HILLCREEK DR AUGUSTA, GA 30909 | THAT LINCOLN NATIONAL LIFE INSURANCE COMPANY | $989 | $120 | $1K | 16.83% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | THAT LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $420 | $420 | 6.37% |
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 | 220 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 122 | $84K |
| Life insurance | THAT LINCOLN NATIONAL LIFE INSURANCE COMPANY | 220 | $7K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 220 | $73K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 220 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.