| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD #410 MEMPHIS, TN 38120 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $70K | $70K | 5.00% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD #410 MEMPHIS, TN 38120 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $717 | $6K | 11.28% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.70% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E DRIVE STE 350 BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $65 | $65 | 0.12% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD #410 MEMPHIS, TN 38120 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $656 | $6K | 16.92% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 6.09% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E DRIVE STE 350 BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $61 | $61 | 0.18% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD #410 MEMPHIS, TN 38120 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $516 | $4K | 17.44% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 6.33% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD # 410 MEMPHIS, TN 38120 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $340 | $3K | 16.82% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 6.03% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E DRIVE STE 350 BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $29 | $29 | 0.16% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD # 410 MEMPHIS, TN 38120 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $304 | $3K | 16.93% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $958 | $958 | 6.08% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E DRIVE STE 350 BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $26 | $26 | 0.17% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD #410 MEMPHIS, TN 38120 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $489 | $4K | 25.23% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 7.06% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E DRIVE STE 350 BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $43 | $43 | 0.29% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 381209448 | VISION SERVICE PLAN | $1K | — | $1K | 10.03% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $43 | — | $43 | 0.33% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD #410 MEMPHIS, TN 38120 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $287 | $3K | 29.27% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $721 | $721 | 6.05% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E DRIVE STE 350 BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $27 | $27 | 0.23% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD #410 MEMPHIS, TN 38120 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $231 | $2K | 26.41% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $531 | $531 | 6.12% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E DRIVE STE 350 BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $22 | $22 | 0.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS PROCESSING | Claims processing; Contract Administrator Service code 12 | — | $76K |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 159 | $1.4M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 124 | $56K |
| Vision | VISION SERVICE PLAN | 107 | $13K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 142 | $37K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 76 | $34K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $19K |
| Other(5 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 142 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.