| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 | 111 CENTER ST STE 1410 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $39K | $2K | $42K | 21.25% |
| BENEFIT ADVISORS SVCS GRP LLC3 | 1120 SANCTUARY PKWY STE 375 ALPHARETTA, GA 30004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.00% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DR NASHVILLE, TN 37204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $92K | — | $92K | 53.93% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST STE 1410 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $1K | $18K | 10.57% |
| CHRISTOPHER THOMAS SMITH3 Filed as: CHRISTOPHER R. MORRIS | 2977 DISCO DR NASHVILLE, TN 37204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.28% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST STE 1410 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $2K | $8K | 6.44% |
| BENEFIT ADVISORS SVCS GRP LLC3 Filed as: BENEFIT ADVISORS SVCS GROUP LLC | 1120 SANCTUARY PKWY STE 375 ALPHARETTA, GA 30004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.00% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET STE 1410 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $2K | $9K | 7.38% |
| BENEFIT ADVISORS SVCS GRP LLC3 | 1120 SANCTUARY PKWY STE 375 ALPHARETTA, GA 30004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.00% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DR. NASHVILLE, TN 37204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $60K | — | $60K | 58.09% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST STE 1410 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 10.35% |
| CHRISTOPHER THOMAS SMITH3 Filed as: CHRISTOPHER R. MORRIS | 2977 DISCO DR. NASHVILLE, TN 37204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.40% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET STE 1410 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $749 | $3K | 5.30% |
| BENEFIT ADVISORS SVCS GRP LLC3 | 1120 SANCTUARY PKWY STE 375 ALPHARETTA, GA 30004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $575 | — | $575 | 1.00% |
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 | 1,497 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,497 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,497 | $254K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 606 | $171K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,497 | $128K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,497 | $290K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,497 | — |
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.