| 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 | $6K | $0 | $6K | 6.64% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET, SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $260 | $0 | $260 | 3.79% |
| FRANK A HAMILTON3 Filed as: FRANK A. HAMILTON | 9504 BRIGHTON BUNKER HILL ROAD BUNKER HILL, IL 62014 | AFLAC | $139 | $0 | $139 | 2.03% |
| TAMARA LYNN HELTON3 | 12544 U.S. 60 ASHLAND, KY 41102 | AFLAC | $88 | $0 | $88 | 1.28% |
| MJ INSURANCE3 Filed as: JUDITH M. BRANNON & VARIOUS AGENTS | 1009 HARBOR CLUB CIRCLE WEST SUITE 101 MEMPHIS, TN 38103 | AFLAC | $78 | $0 | $78 | 1.14% |
| JEREMY S KLOKKENGA3 Filed as: JEREMY S. KLOKKENGA | 20097 SHAKER LAKE ROAD BLOOMINGTON, IL 61705 | AFLAC | $46 | $0 | $46 | 0.67% |
| GARY A EBERLIN3 Filed as: GARY A. EBERLIN | 3415 MAPLE RIDGE DRIVE WOOD RIVER, IL 62095 | AFLAC | $45 | $0 | $45 | 0.66% |
| BENEFIT COMPLIANCE SOLUTIONS LLC3 | 559 MALLARD DRIVE EAST ALTON, IL 62024 | AFLAC | $31 | $0 | $31 | 0.45% |
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 | 125 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 108 | $97K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 108 | $97K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 108 | $97K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 108 | $97K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 108 | $97K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 108 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.