| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS | 300 WALNUT STREET SUITE 200 DES MOINES, IA 50309 | SUN LIFE ASSURANCE COMPANY OF CANADA | $170K | — | $170K | 16.16% |
| AEGIS RISK LLC3 Filed as: AEGIS RISK, LLC | 218 N LEE STREET SUITE 306 ALEXANDRIA, VA 22314 | SUN LIFE ASSURANCE COMPANY OF CANADA | $28K | — | $28K | 2.70% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS | 300 WALNUT STREET SUITE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $63K | $18K | $81K | 19.17% |
| BENEUSA LLC3 Filed as: BENEUSA, LLC | 1851 LAKE DRIVE W SUITE 350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $34K | $34K | 8.00% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS | 300 WALNUT STREET SUITE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $60K | $15K | $75K | 18.83% |
| BENEUSA LLC3 Filed as: BENEUSA, LLC | 1851 LAKE DRIVE W SUITE 350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $32K | $32K | 8.00% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS | 300 WALNUT STREET SUITE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $40K | $11K | $51K | 19.19% |
| BENEUSA LLC3 Filed as: BENEUSA, LLC | 1851 LAKE DRIVE W SUITE 350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $21K | $21K | 8.00% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS, INC/NATO GROUP | 300 WALNUT STREET SUITE 200 DES MOINES, IA 50309 | VISION SERVICE PLAN | $5K | — | $5K | 1.93% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS | 300 WALNUT STREET SUITE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $33K | $9K | $42K | 19.23% |
| BENEUSA LLC3 Filed as: BENEUSA, LLC | 1851 LAKE DRIVE W SUITE 350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $18K | $18K | 8.00% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS | 300 WALNUT STREET SUITE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $41K | $6K | $47K | 33.30% |
| BENEUSA LLC3 Filed as: BENEUSA, LLC | 1851 LAKE DRIVE W SUITE 350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 5.41% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS | 300 WALNUT STREET SUITE 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $3K | $16K | 25.96% |
| BENEUSA LLC3 Filed as: BENEUSA, LLC | 1851 LAKE DRIVE W SUITE 350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 THIRD PARTY | Claims processing Service code 12 | — | $2.2M |
| DELTA DENTAL EIN 62-0812197 THIRD PARTY | Contract Administrator Service code 13 | — | $118K |
| KABEL BUSINESS SERVICES EIN 42-1455114 THIRD PARTY | Contract Administrator Service code 13 | — | $20K |
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 | 2,999 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,999 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,090 | $263K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,999 | $488K |
| Short-term disability(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,999 | $629K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,999 | $401K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,742 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,999 | — |
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.