| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 | 1218 WEBSTER ST HOUSTON, TX 77002 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | $4K | $24K | 8.85% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $9K | $9K | 3.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1900 WEST LOOP S # 1600 HOUSTON, TX 77027 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 2.49% |
| INSGROUP INC3 | 1218 WEBSTER ST HOUSTON, TX 77002 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $2K | $15K | 8.67% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 3.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1900 WEST LOOP S # 1600 HOUSTON, TX 77027 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 2.46% |
| INSGROUP INC3 Filed as: INSGROUP INC. | 1218 WEBSTER ST HOUSTON, TX 77002 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $16K | $34K | 21.37% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1900 WEST LOOP S # 1600 HOUSTON, TX 77027 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 3.78% |
| INS GROUP INC3 Filed as: INS GROUP INC. | 1218 WEBSTER ST HOUSTON, TX 77002 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | $4K | $27K | 17.90% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1900 WEST LOOP S # 1600 HOUSTON, TX 77027 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 4.78% |
| INSGROUP INC3 | 1218 WEBSTER ST HOUSTON, TX 77002 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $3K | $15K | 12.34% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1900 WEST LOOP S # 1600 HOUSTON, TX 77027 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 4.99% |
| INSGROUP INC3 | 1218 WEBSTER ST HOUSTON, TX 77002 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $4K | $21K | 18.36% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1900 WEST LOOP S # 1600 HOUSTON, TX 77027 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 4.67% |
| INSGROUP INC3 | 1218 WEBSTER ST HOUSTON, TX 77002 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $1K | $7K | 8.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1900 WEST LOOP S # 1600 HOUSTON, TX 77027 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.48% |
| INSGROUP INC3 | 1218 WEBSTER ST HOUSTON, TX 77002 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $4K | $14K | 23.41% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1900 WEST LOOP S # 1600 HOUSTON, TX 77027 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.08% |
| INSGROUP INC3 | 1218 WEBSTER ST HOUSTON, TX 770028841 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $4K | $13K | 23.67% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALAGHER BENEFIT SERVICES INC | 1900 WEST LOOP S #1600 HOUSTON, TN 77027 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.23% |
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 | 718 | 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) | 718 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 456 | $445K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 549 | $84K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 742 | $268K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 369 | $213K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 742 | $118K |
| Other(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 742 | $411K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 742 | — |
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.