| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | $0 | $21K | 7.09% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.00% |
| BONNIE DROBNES3 | 118 BEAMONT PLACE LOWER GWYNEDD, PA 19002 | AFLAC | $1K | $225 | $1K | 7.04% |
| USI INSURANCE SERVICES LLC3 | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 300 BLUE BELL, PA 19422 | AFLAC | $595 | $0 | $595 | 3.33% |
| JEREMY S KLOKKENGA3 Filed as: JEREMY KLOKKENGA | 20097 SHAKER LAKE ROAD BLOOMINGTON, IL 61705 | AFLAC | $287 | $0 | $287 | 1.60% |
| WENDY E HOOK3 Filed as: WENDY HIGGINS | 1405 LARKSPUR LANE MALVERN, PA 19355 | AFLAC | $213 | $52 | $265 | 1.48% |
| TAMARA LYNN HELTON3 Filed as: TAMARA HELTON | 934 STATE ROUTR 716 ASHLAND, KY 41102 | AFLAC | $124 | $0 | $124 | 0.69% |
| FRANK A HAMILTON3 Filed as: FRANK HAMILTON | 9504 BRIGHTON BUNKER HILL ROAD BUNKER HILL, IL 62014 | AFLAC | $121 | $0 | $121 | 0.68% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP INC | 203 MARKET STREET, SUITE 210 HAVER DE GRACE, MD 21078 | AFLAC | $105 | $0 | $105 | 0.59% |
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 | 499 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 499 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 491 | $299K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 491 | $299K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 491 | $299K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 491 | $299K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 491 | $299K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 491 | $317K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 491 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.