| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 | 111 CENTER ST STE 100 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $31K | $5K | $37K | 11.73% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W SR 436 STE 2021 OVIEDO, FL 32765 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $9K | $9K | 3.00% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STE 100 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $43K | $9K | $53K | 18.22% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W SR 436 STE 2021 OVIEDO, FL 32765 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $9K | $9K | 3.00% |
| UKG INC3 | PO BOX 930953 ATLANTA, GA 31193 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $9K | $9K | 3.00% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST STE 100 MEMPHIS, TN 38117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37K | $8K | $46K | 18.36% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W SR 436 STE 2021 OVIEDO, FL 32765 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $7K | $7K | 3.00% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST STE 100 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | $6K | $34K | 18.33% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W SR 436 STE 2021 OVIEDO, FL 32765 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 3.00% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W SR 426 STE 2021 OVIEDO, FL 32765 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $6K | $22K | 19.82% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST STE 100 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $2K | $9K | 7.91% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST STE 100 LITTLE ROCK, AR 72201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $3K | $18K | 18.50% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W SR 436 STE 2021 O, FL 32765 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3K | $3K | 3.02% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W SR 426 STE 2021 OVIEDO, FL 32765 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $9K | $20K | 23.26% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST STE 100 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $1K | $6K | 7.32% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST STE 100 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $1K | $8K | 11.57% |
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 | 915 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 29 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 944 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 532 | $314K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 498 | $65K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 854 | $187K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 349 | $95K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 852 | $289K |
| Other(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 854 | $634K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 854 | — |
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.