| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS, INC. | 300 WALNUT STREET SUITE 200 DES MOINES, IA 50309 | CIGNA HEALTH AND LIFE INSURANCE | $117K | — | $117K | 15.00% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS | 300 WALNUT STREET SUITE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $59K | $17K | $76K | 19.46% |
| BENEUSA LLC3 Filed as: BENEUSA, LLC | 1851 LAKE DRIVE W SUITE 350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $31K | $31K | 8.00% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS | 300 WALNUT STREET SUITE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $49K | $12K | $61K | 18.66% |
| BENEUSA LLC3 Filed as: BENEUSA, LLC | 1851 LAKE DRIVE W SUITE 350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $26K | $26K | 8.00% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS INC. | 300 WALNUT STREET SUITE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37K | $11K | $48K | 19.29% |
| BENEUSA LLC3 Filed as: BENEUSA, LLC | 1851 LAKE DRIVE W SUITE 350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $20K | $20K | 8.00% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS INC./NATO GROUP | 300 WALNUT STREET SUITE 200 DES MOINES, IA 50309 | VISION SERVICE PLAN | — | $46K | $46K | 19.00% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS, INC. | 300 WALNUT STREET SUITE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $31K | $9K | $40K | 19.46% |
| BENEUSA LLC3 Filed as: BENEUSA, LLC | 1851 LAKE DRIVE W SUITE 350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $16K | $16K | 8.00% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS, INC. | 300 WALNUT STREET SUITE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $53K | $14K | $67K | 82.65% |
| BENEUSA LLC3 Filed as: BENEUSA, LLC | 1851 LAKE DRIVE W SUITE 350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS, INC. | 300 WALNUT STREET SUITE 200 DES MOINES, IA 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $40K | $10K | $51K | 88.09% |
| BENEUSA LLC3 Filed as: BENEUSA, LLC | 1851 LAKE DRIVE W SUITE 350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 THIRD PARTY | Claims processing Service code 12 | — | $1.7M |
| DELTA DENTAL EIN 62-0812197 THIRD PARTY | Contract Administrator Service code 13 | — | $111K |
| KABEL BUSINESS SERVICES EIN 42-1455114 THIRD PARTY | Contract Administrator Service code 13 | — | $17K |
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 | 2,481 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,481 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,944 | $244K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,481 | $452K |
| Short-term disability(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,481 | $529K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,481 | $330K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE | 2,442 | $783K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,481 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.