| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $62K | — | $62K | 27.82% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST, STE 1410 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $478 | $12K | 5.21% |
| CHRISTOPHER R MORRIS3 | 2977 SIDCO DR NASHVILLE, TN 37204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $882 | — | $882 | 0.39% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER ST SUITE 1410 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $44K | $483 | $45K | 20.22% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1120 SANCTUARY PKWY SUITE 375 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.00% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER ST SUITE 1410 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $328 | $9K | 5.19% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1120 SANCTUARY PKWY SUITE 375 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.00% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST STE 1410 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $324 | $10K | 6.20% |
| BENEFIT ADVISORS SERVICE GROUP LLC3 | 1120 SANCTUARY PKWY STE 375 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.00% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS, INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $48K | — | $48K | 33.87% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER ST SUITE 1410 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $277 | $9K | 6.27% |
| CHRISTOPHER R MORRIS3 Filed as: CHRISTOPHER R. MORRIS | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $789 | — | $789 | 0.55% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER ST SUITE 1410 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $144 | $3K | 4.20% |
| BENEFIT ADVISORS SERVICE GROUP LLC3 | 1120 SANCTUARY PKWY SUITE 375 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $709 | — | $709 | 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 | 2,301 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,091 | $292K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,301 | $224K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,091 | $160K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,091 | $386K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,301 | — |
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.