| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | — | $24K | 20.00% |
| PREPARE BENEFITS, LLC3 Filed as: PREPARE BENEFITS LLC | 7157 NARCOOSSEE RD #1579 ORLANDO, FL 32822 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 5.00% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 Filed as: INTEGRATED ENROLLMENT & TECH SLTNS | 3696 N FEDERAL HWY # 202 FORT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.00% |
| RSC INSURANCE BROKERAGE INC3 | PO BOX 736061 AMS - LEGACY DIRECT BILL RECEIPT LO CHICAGO, IL 60673 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 14.99% |
| SBP, LLC5 | 13 WHITE FIELD CT AMBLER, PA 19002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 5.15% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.85% |
| RSC INSURANCE BROKERAGE INC3 | PO BOX 736061 AMS - LEGACY DIRECT BILL RECEIPT LO CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 14.96% |
| SBP, LLC3 | 13 WHITE FIELD CT AMBLER, PA 19002 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 5.62% |
| RSC INSURANCE BROKERAGE INC5 | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.75% |
| RSC INSURANCE BROKERAGE INC3 | PO BOX 736061 AMS - LEGACY DIRECT BILL RECEIPT LO CHICAGO, IL 60673 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 15.09% |
| SBP, LLC5 | 13 WHITE FIELD CT AMBLER, PA 19002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 4.54% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.85% |
| RSC INSURANCE BROKERAGE INC3 | PO BOX 736061 AMS - LEGACY DIRECT BILL RECEIPT LO CHICAGO, IL 60673 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 20.03% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $681 | $681 | 1.63% |
| RSC INSURANCE BROKERAGE INC3 | PO BOX 736061 AMS - LEGACY DIRECT BILL RECEIPT LO CHICAGO, ID 60673 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 17.95% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FL 4 FT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $399 | $399 | 1.11% |
| RSC INSURANCE BROKERAGE INC3 | PO BOX 736061 AMS - LEGACY DIRECT BILL RECEIPT LO CHICAGO, IL 60673 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 14.97% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 4TH FLOOR FT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $409 | $409 | 1.61% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| RSC INSURANCE BROKERAGE INC3 | PO BOX 736061 AMS - LEGACY DIRECT BILL RECEIPT LO CHICAGO, IL 60673 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 17.98% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $282 | $282 | 1.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LUMINARE HEALTH BENEFITS, INC EIN 35-1846036 NONE | Other services; Claims processing; Plan Administrator Service code 12 | — | $122K |
| RSC INSURANCE BROKERAGE, INC. EIN 16-1689464 NONE | Consulting (general); Insurance agents and brokers Service code 16 | — | $62K |
| CIGNA PPO EIN 59-1031071 NONE | Claims processing; Other services Service code 12 | — | $40K |
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 | 165 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 256 | $122K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 252 | $23K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 698 | $97K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $76K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $64K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 698 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 698 | — |
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.