| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISCURE SOUTHEAST PTR INS SVCS | 1317 CITIZENS BOULEVARD LEESBURGH, FL 34748 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $40K | $14K | $54K | 11.56% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS | 12006 RIDGEMONT DRIVE URBANDALE, WA 50323 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $15K | $15K | 3.18% |
| DIGITAL INSURANCE LLC3 | 300 GALLERIA PARKWAY, 17TH FLOOR ATLANTA, GA 30339 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 2.24% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 1.99% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MI 63122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $7K | $7K | 1.57% |
| ACRISURE LLC3 Filed as: ACRISCURE SOUTHEAST PTR INS SVCS | 1317 CITIZENS BOULEVARD LEESBURGH, FL 34748 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $4K | $19K | 16.41% |
| DIGITAL INSURANCE LLC3 | 300 GALLERIA PARKWAY, 17TH FLOOR ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 6.60% |
| GROUP BENEFITS LIMITED3 | 12006 RIDGEMONT DRIVE URBANDALE, IA 50323 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 3.35% |
| THE ULTIMATE SOFTWARE GROUP3 Filed as: THE ULTIMATE SOFTWARE GROUP INC | PO BOX 930953 ATLANTA, GA 31193 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 3.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MI 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.65% |
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 | 530 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 530 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 530 | $469K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 530 | $469K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 530 | $469K |
| Other(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 530 | $586K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 530 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.