| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST, LTD. | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 7.69% |
| STERLING SEACREST PRITCHARD, INC.3 | PO BOX 724137 ATLANTA, GA 31139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.85% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL MIDWEST LIMITED, INC. | PO BOX 6650 METAIRIE, LA 70002 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 11.76% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 4.95% |
| STERLING SEACREST PRITCHARD, INC.3 | PO BOX 724137 ATLANTA, GA 30339 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.45% |
| BARDWELL BENEFITS LLC3 Filed as: BARDWELL BENEFITS | 1445 AVERY ROAD CANTON, GA 30115 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $326 | $3K | 8.59% |
| RACHEL LYNN BARDWELL3 | 1445 AVERY ROAD CANTON, GA 30115 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $716 | — | $716 | 2.10% |
| CODY DILLON LANDER3 | 2204 EVERLY WAY GAINESVILLE, GA 30501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $163 | $0 | $163 | 0.48% |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 143 | $146K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 143 | $146K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 143 | $146K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 147 | $134K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 147 | $134K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 147 | $314K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.