| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | P O BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $64K | $36K | $100K | 15.58% |
| PREPARE BENEFITS, LLC3 Filed as: PREPARE BENEFITS | 7157 NARCOOSSEE RD #1579 ORLANDO, FL 32822 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $28K | $38K | 5.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | P O BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $36K | $20K | $56K | 15.59% |
| PREPARE BENEFITS, LLC3 Filed as: PREPARE BENEFITS | 7157 NARCOOSSEE RD #1579 ORLANDO, FL 32822 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $16K | $22K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | P O BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | $13K | $36K | 15.50% |
| PREPARE BENEFITS, LLC3 Filed as: PREPARE BENEFITS | 7157 NARCOOSSEE RD #1579 ORLANDO, FL 32822 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $10K | $14K | 6.00% |
| PREPARE BENEFITS, LLC3 Filed as: PREPARE BENEFITS | 7157 NARCOOSSEE RD #1579 ORLANDO, FL 32822 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $14K | $0 | $14K | 9.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | P O BOX 12748 ROANOKE, VA 24028 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | P O BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $32K | $7K | $39K | 30.80% |
| PREPARE BENEFITS, LLC3 Filed as: PREPARE BENEFITS | 7157 NARCOOSSEE RD #1579 ORLANDO, FL 32822 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | P O BOX 12748 ROANOKE, VA 32822 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | $7K | $37K | 30.77% |
| PREPARE BENEFITS, LLC3 Filed as: PREPARE BENEFITS | 7157 NARCOOSSEE RD #1579 ORLANDO, FL 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | P O BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | $7K | $37K | 30.80% |
| PREPARE BENEFITS, LLC3 Filed as: PREPARE BENEFITS | 7157 NARCOOSSEE RD #1579 ORLANDO, FL 32822 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFIT MANAGEMENT SERVICE EIN 81-0391256 THIRD PARTY ADMINISTRATOR | Claims processing Service code 12 | PO BOX 21367 BILLINGS, MT 59104 | $259K |
| AMERITAS LIFE INSURANCE CORP. EIN 47-0098400 THIRD PARTY ADMINISTRATOR | Claims processing Service code 12 | P.O. BOX 81889 LINCOLN, NE 685011889 | $79K |
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 | 1,902 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,902 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,902 | $783K |
| Short-term disability(4 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,310 | $725K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 579 | $232K |
| Stop-loss / reinsurancereinsurance | SKYWARD SPECIALTY INSURANCE | 0 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,902 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.