| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.3 | 115 W WAUSAU AVE WAUSAU, WI 54401 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 0.40% |
| FIRST INSURANCE GROUP LLC3 | 14010 FNB PKWY SUITE 300 OMAHA, NE 681450279 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.21% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E DRIVE SUITE 350 BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $550 | $550 | 0.70% |
| FIRST INSURANCE GROUP LLC3 | 14010 FNB PKWY SUITE 300 OMAHA, NE 681450279 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.17% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E DRIVE SUITE 350 BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $466 | $466 | 0.69% |
| FIRST INSURANCE GROUP LLC3 | PO BOX 45279 OMAHA, NE 681450279 | AMERITAS LIFE INSURANCE CORP | $0 | $885 | $885 | 2.01% |
| FIRST INSURANCE GROUP LLC3 | 14010 FNB PKWY SUITE 300 OMAHA, NE 681450279 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $856 | $856 | 2.19% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E DRIVE SUITE 350 BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $270 | $270 | 0.69% |
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 | 436 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 442 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP | 664 | $44K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 618 | $118K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 408 | $68K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 353 | $595K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 618 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 664 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.