| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $3K | $20K | 10.81% |
| TRUSTMANAGEMENT GROUP DBA3 | SELECTSOURCE 300 PRIMERA BOULEVARD, SUITE 140 LAKE MARY, FL 32746 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $9K | $9K | 4.72% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $1K | $10K | 10.49% |
| TRUST MANAGEMENT GROUP3 | DBA SELECTSOURCE 300 PRIMERA BOULEVARD, SUITE 140 LAKE MARY, FL 32746 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 4.63% |
| TRUST MANAGEMENT GROUP3 | 300 PREMERA BLVD LAKE MARY, FL 32746 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | ARAG INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| TRUST MANAGEMENT GROUP5 Filed as: TRUST MANAGEMENT GROUP, INC. | 300 PRIMERA BLVD LAKE MARY, FL 32746 | ARAG INSURANCE COMPANY | — | $631 | $631 | 5.00% |
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 | 274 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 66 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 340 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 316 | $35K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 394 | $186K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 274 | $98K |
| Other(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 583 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 583 | — |
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.