| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOPBENEFITS LLC3 | PO BOX 96002 CHICAGO, IL 60693 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $6K | $10K | 8.00% |
| AMERICAN BNFT & COMP SYSTEMS3 Filed as: AMERICAN BNFT 7 COMP SYSTEMS | 101 PARK AVE 14TH FL NEW YORK, NY 10016 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 2.95% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.88% |
| DAVID FEACHEN | 222 W LAS COLINAS BLVD IRVING, TX 75039 | COMPANION LIFE | $11K | — | $11K | 19.26% |
| THE AGENCY OF NORTH GEORGIA, INC.3 Filed as: THE AGENCY OF NORTH GEORGIA | 55 ANNIE CHANDLER TRL LAWRENCEVILLE, GA 30045 | COMPANION LIFE | $5K | — | $5K | 9.63% |
| ISU3 | 10199 SOUTHSIDE BLVD SUITE 205 JACKSONVILLE, FL 32256 | COMPANION LIFE | $3K | — | $3K | 5.78% |
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 | 1,881 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,881 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,881 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,881 | — |
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."
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.