| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SPINDEL AGENCY LLC3 | 277 BENDIX RD STE 500 VIRGINIA BEACH, VA 23452 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.43% |
| PROPEL INSURANCE AGENCY, LLC3 Filed as: PROPEL INSURANCE AGENCY LLC | 1201 PACIFIC AVE STE 1000 TACOMA, WA 98402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.57% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH STE 500 DEERFIELD, IA 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $884 | $884 | 2.57% |
| THE SPINDEL AGENCY LLC3 | 277 BENDIX RD STE 500 VIRGINIA BEACH, VA 23452 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.52% |
| PROPEL INSURANCE AGENCY, LLC3 Filed as: PROPEL INSURANCE AGENCY LLC | 1201 PACIFIC AVE STE 1000 TACOMA, WA 98402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.48% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $879 | $879 | 2.70% |
| THE SPINDEL AGENCY LLC3 | 277 BENDIX RD STE 500 VIRGINIA BEACH, VA 23452 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.17% |
| PROPEL INSURANCE AGENCY, LLC3 Filed as: PROPEL INSURANCE AGENCY LLC | 1201 PACIFIC AVE STE 1000 TACOMA, WA 98402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.83% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH STE 500 DEERFIELD, IA 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $906 | $906 | 3.02% |
| PROPEL INSURANCE AGENCY, LLC3 Filed as: PROPEL INSURANCE AGENCY LLC | 1201 PACIFIC AVE STE 1000 TACOMA, WA 98402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 31.45% |
| THE SPINDEL AGENCY LLC3 | 277 BENDIX RD STE 500 VIRGINIA BEACH, IL 23452 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 12.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $394 | $394 | 2.17% |
| PROPEL INSURANCE AGENCY, LLC3 Filed as: PROPEL INSURANCE AGENCY LLC | 1201 PACIFIC AVE STE 1000 TACOMA, WA 98402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 28.29% |
| THE SPINDEL AGENCY LLC3 | 277 BENDIX RD STE 500 VIRGINIA BEACH, VA 23452 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.94% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $290 | $290 | 1.94% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | AMERITAS LIFE INSURANCE CORP. | $0 | $244 | $244 | 2.13% |
| PROPEL INSURANCE AGENCY, LLC3 Filed as: PROPEL INSURANCE AGENCY LLC | PO BOX 2940 TACOMA, WA 98401 | AMERITAS LIFE INSURANCE CORP. | $0 | $122 | $122 | 1.07% |
| THE SPINDEL AGENCY LLC3 | 277 BENDIX RD STE 500 VIRGINIA BEACH, VA 23452 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $662 | $0 | $662 | 6.06% |
| PROPEL INSURANCE AGENCY, LLC3 Filed as: PROPEL INSURANCE AGENCY LLC | 1201 PACIFIC AVE STE 1000 TACOMA, WA 98402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $623 | $0 | $623 | 5.70% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $281 | $281 | 2.57% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 MEDICAL FEES | Contract Administrator; Non-monetary compensation; Claims processing; Other services; Float revenue; Participant communication; Named fiduciary; Direct payment from the plan Service code 12 | — | $29K |
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 | 235 | 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) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 158 | $512K |
| Dental | DELTA DENTAL OF CONNECTICUT, INC | 167 | $137K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 159 | $11K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 235 | $11K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 235 | $33K |
| Other(6 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 235 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.