| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOTALIS BENEFITS3 | 500 W MADIOSN ST 32ND FL CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 4.47% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 S. CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.31% |
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 8900 KEYSTONE CROSSING SUITE 900 INDIANAPOLIS, IN 46240 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.70% |
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 8900 KEYSTONE CROSSING SUITE 900 INDIANAPOLIS, IN 46240 | ANSEL | $18K | $0 | $18K | 20.00% |
| TOTALIS BENEFITS3 | 500 W MADIOSN ST 32ND FL CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 S. CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $271 | $271 | 1.28% |
| TOTALIS BENEFITS3 | 500 W MADIOSN ST 32ND FL CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $554 | $554 | 5.20% |
| TOTALIS BENEFITS3 | 500 W MADIOSN ST 32ND FL CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $569 | $569 | 5.69% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 633 | $91K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 429 | $140K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 429 | $10K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 87 | $21K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 469 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 633 | — |
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.