| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | $924 | $27K | 8.52% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 5850 GRANITE PARKWAY STE 350 PLANO, TX 75024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 4.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 8144 WALNUT HILL LANE, 16TH FLOOR DALLAS, TX 75231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 1.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 8144 WALNUT HILL LANE, 15TH FLOOR DALLAS, TX 75231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 0.47% |
| PROF ENROLLMENT CONCEPTS INC3 | 6200 SAVOY DRIVE, SUITE 345 HOUSTON, TX 77036 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $319 | — | $319 | 0.10% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SVC NATIONAL INC | 5151 BELTLINE ROAD, SUITE 200 DALLAS, TX 75254 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $136 | — | $136 | 0.04% |
| ROBERT MOSS3 | 8144 WALNUT HILL LANE, SUITE 1600 DALLAS, TX 75231 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $8K | — | $8K | 7.51% |
| HAYS COMPANIES, INC.3 Filed as: JAMES HAYS | 80 SOUTH 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $2K | — | $2K | 2.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 8144 WALNUT HILL LANE, 16TH FLOOR DALLAS, TX 75231 | HCC LIFE INSURANCE COMPANY | $1K | — | $1K | 6.43% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | HCC LIFE INSURANCE COMPANY | $794 | — | $794 | 3.57% |
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 | 591 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 592 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 638 | $454K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 638 | $319K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 638 | $319K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 638 | $319K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 638 | $319K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 638 | $319K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 39 | $112K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 638 | $342K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 638 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.