| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | $0 | $28K | 12.63% |
| PAY TECH INC3 | 7979 E TUFTS AVE STE 1000 DENVER, CO 80237 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $22K | $22K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL 15TH FL DALLAS, TX 75231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $1K | $6K | 2.88% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37K | $0 | $37K | 23.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL 15TH FL DALLAS, TX 75231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | $741 | $26K | 16.61% |
| PAY TECH INC3 | 7979 E TUFTS AVE STE 1000 DENVER, CO 80237 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $7K | $7K | 4.40% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $0 | $18K | 13.23% |
| PAY TECH INC3 | 7979 E TUFTS AVE STE 1000 DENVER, CO 80237 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $13K | $13K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL 15TH FL DALLAS, TX 75231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $427 | $3K | 2.09% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | $0 | $27K | 22.52% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL 15TH FL DALLAS, TX 75231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | $694 | $25K | 20.93% |
| PAY TECH INC3 | 7979 E TUFTS AVE STE 1000 DENVER, CO 80237 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 4.76% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $0 | $13K | 13.38% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL 15TH FL DALLAS, TX 75231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $399 | $2K | 2.01% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $0 | $12K | 12.64% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL 15TH FL DALLAS, TX 75231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $354 | $3K | 2.72% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL 15TH FL DALLAS, TX 75231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.26% |
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 | 3,236 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FORT DEARBORN LIFE INSURANCE COMPANY | 1,045 | $147K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,762 | $319K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 372 | $134K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 177 | $178K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,762 | $373K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,762 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.