| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SVCS. USA INC | 2107 S NEIL ST CHAMPAIGN, IL 61820 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.18% |
| CIBC OF ILLINOIS INC3 | PO BOX 71 KANKAKEE, IL 60901 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.82% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SVCS. USA INC | 800 N MAGNOLIA AVE STE 110 ORLANDO, FL 32803 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $866 | $866 | 3.38% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SVCS. USA INC | PO BOX 4016 CHAMPAIGN, IL 61824 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 8.13% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SVCS. USA INC | PO BOX 30001 TAMPA, FL 33601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $501 | $501 | 3.58% |
| CIBC OF ILLINOIS INC3 | PO BOX 71 KANKAKEE, IL 60901 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $393 | — | $393 | 2.81% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SVCS. USA INC | PO BOX 4016 CHAMPAIGN, IL 61824 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.03% |
| CIBC OF ILLINOIS INC3 | PO BOX 71 KANKAKEE, ID 60901 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $580 | — | $580 | 4.97% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SVCS. USA INC | PO BOX 30001 TAMPA, FL 33601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $421 | $421 | 3.60% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SVCS. USA INC | PO BOX 4016 CHAMPAIGN, IL 61824 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $457 | — | $457 | 9.22% |
| CIBC OF ILLINOIS INC3 | PO BOX 71 KANKAKEE, IL 60901 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $198 | — | $198 | 4.00% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SVCS. USA INC | PO BOX 30001 TAMPA, FL 33601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $178 | $178 | 3.59% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SVCS. USA INC | 2107 S NEIL ST CHAMPAIGN, IL 61820 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $270 | — | $270 | 10.27% |
| CIBC OF ILLINOIS INC3 | PO BOX 71 KANKAKEE, IL 60901 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $124 | — | $124 | 4.72% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SVCS. USA INC | 800 N MAGNOLIA AVE STE 110 ORLANDO, FL 32803 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $82 | $82 | 3.12% |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $33K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $14K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $12K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.