| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INGENIUM PRIME INC3 Filed as: INGENIUM PRIME | 740 REGENT STREET-4TH FLOOR MADISON, WI 53715 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | $28K | $50K | 8.72% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK-SUITE A BEACHWOOD, OH 44122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $20K | $20K | 3.43% |
| INGENIUM PRIME INC3 Filed as: INGENIUM PRIME | 740 REGENT STREET-4TH FL MADISON, WI 53715 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $21K | $21K | 4.77% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK- SUITE A BEECHWOOD, OH 44122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $14K | $14K | 3.30% |
| BENEFIT SERVICES GROUP, INC.3 | PO BOX 6762 CAROL STREAM, IL 60197 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 18.19% |
| BENEFIT SERVICES GROUP, INC.3 Filed as: BENEFIT SERVICES GROUP | PO BOX 6762 CAROL STREAM, IL 60197 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 18.16% |
| BENEFIT SERVICES GROUP, INC.3 Filed as: THE BENEFIT SERVICES GROUP, INC. | PO BOX 6762 CAROL STREAM, IL 60197 | METLIFE LEGAL PLANS | $3K | — | $3K | 9.32% |
| BENEFIT SERVICES GROUP, INC.3 Filed as: BENEFIT SERVICES GROUP | N25 W23050 PAUL ROAD PEWAUKEE, WI 53072 | HARTFORD LIFE AND ACCIDENT | $424 | — | $424 | 14.99% |
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 | 1,549 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 24 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,586 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 446 | $128K |
| Vision | VISION SERVICE PLAN | 1,085 | $210K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,549 | $569K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,461 | $431K |
| Other(4 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,549 | $676K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,549 | — |
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.