| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMPSON FLANAGAN BENEFITS GROUP3 Filed as: THOMPSON FLANAGAN & COMPANY | 626 WEST JACKSON, SUITE 500 CHICAGO, IL 60661 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $125K | $15K | $140K | 4.62% |
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 WEST JACKSON, 5TH FLOOR CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $99K | $0 | $99K | 15.14% |
| TRUST MANAGEMENT GROUP3 | 300 PRIMERA BOULEVARD, SUITE 140 LAKE MARY, FL 32746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $19K | $19K | 2.84% |
| THOMPSON FLANAGAN BENEFITS GROUP3 Filed as: THOMPSON FLANAGAN & COMPANY | 626 WEST JACKSON, SUITE 500 CHICAGO, IL 60661 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.99% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.63% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $473 | $0 | $473 | 1.35% |
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 | 818 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 825 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 683 | $3.0M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 818 | $653K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 818 | $653K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 818 | $653K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 818 | $653K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 818 | $653K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 683 | $3.0M |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 818 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 818 | — |
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.