| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 650 EAST CARMEL DRIVE SUITE 350 CARMEL, IN 46032 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $62K | $62K | 2.07% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $50K | $50K | 1.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 0.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 650 EAST CARMEL DRIVE SUITE 350 CARMEL, IN 46032 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $44K | $44K | 2.06% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $35K | $35K | 1.63% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMTON, NJ 080371363 | TRANSAMERICA LIFE INSURANCE COMPANY | $237K | — | $237K | 28.89% |
| AON CONSULTING INC3 | 30 WATERSIDE DRIVE FARMINGTON, CT 06032 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | — | $5K | 0.56% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | AN AON COMPANY PO BOX 419623 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $127 | $13K | 9.52% |
| CUSTOM BENEFIT PROGRAMS INC3 | UNIVERS WORKPLACE SOLUTIONS 897 12TH STREET HAMMONTON, NJ 08037 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.09% |
| AON CONSULTING INC3 | 30 WATERSIDE DRIVE FARMINGTON, CT 06032 | TRANSAMERICA LIFE INSURANCE COMPANY | $52 | — | $52 | 3.98% |
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 | 9,656 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 91 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,747 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 9,681 | $3.0M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 9,588 | $3.0M |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 9,681 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,681 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.