| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: NORTHWESTERN BENEFIT ONEDIGITAL | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $33K | $0 | $33K | 5.01% |
| ENROLLEASE3 Filed as: NORTHWESTERN BENEFIT ONEDIGITAL | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $89 | $5K | 10.20% |
| ENROLLEASE3 Filed as: NORTHWESTERN BENEFIT ONEDIGITAL | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $43 | $3K | 10.16% |
| ENROLLEASE3 Filed as: NORTHWESTERN BENEFIT ONEDIGITAL | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $30 | $2K | 10.14% |
| ENROLLEASE3 Filed as: NORTHWESTERN BENEFIT ONEDIGITAL | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $17 | $1K | 10.12% |
| ENROLLEASE3 Filed as: NORTHWESTERN BENEFIT ONEDIGITAL | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $16 | $2K | 15.14% |
| ENROLLEASE3 Filed as: NORTHWESTERN BENEFIT ONEDIGITAL | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | EYEMED VISION CARE | $863 | $0 | $863 | 8.12% |
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 | 108 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 80 | $651K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 82 | $45K |
| Vision | EYEMED VISION CARE | 101 | $11K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 108 | $11K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 108 | $27K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 108 | $22K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 108 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.