| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JA BENEFITS LLC3 | 1630 H STREET BEFORD, IN 47421 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $155K | — | $155K | 7.46% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $8K | $8K | 0.40% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST STREET SUITE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $6K | $9K | 12.62% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH STREET SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.74% |
| JA BENEFITS LLC3 | PO BOX 159 BEDFORD, IN 47421 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27 | — | $27 | 0.04% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST STREET SUITE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 13.74% |
| AON CONSULTING INC3 Filed as: AON RISK SVCS CENTRAL | 450 EAST 96TH STREET SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.09% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST STREET SUITE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $5K | $10K | 20.06% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH STREET SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.33% |
| JA BENEFITS LLC3 | PO BOX 159 BEDFORD, IN 47421 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22 | — | $22 | 0.04% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST STREET SUITE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $5K | $9K | 18.42% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH STREET SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.45% |
| JA BENEFITS LLC3 | PO BOX 159 BEDFORD, IN 47421 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $41 | — | $41 | 0.08% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST STREET SUITE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $6K | $9K | 18.17% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH STREET SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.42% |
| JA BENEFITS LLC3 | PO BOX 159 BEDFORD, IN 47421 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $77 | — | $77 | 0.15% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST STREET SUITE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $6K | $8K | 15.91% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH STREET SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $720 | — | $720 | 1.48% |
| JA BENEFITS LLC3 | PO BOX 159 BEDFORD, IN 47421 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $48 | — | $48 | 0.10% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST STREET SUITE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $5K | $12K | 23.92% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH STREET SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.15% |
| JA BENEFITS LLC3 | PO BOX 159 BEDFORD, IN 47421 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $229 | — | $229 | 0.47% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST STREET SUITE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $6K | $8K | 17.12% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH STREET SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.15% |
| JA BENEFITS LLC3 | PO BOX 159 BEDFORD, IN 47421 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25 | — | $25 | 0.05% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST STREET SUITE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $5K | $8K | 20.28% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH STREET SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.96% |
| JA BENEFITS LLC3 | PO BOX 159 BEDFORD, IN 47421 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $66 | — | $66 | 0.16% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST STREET SUITE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $486 | $6K | $6K | 43.96% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH STREET SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $207 | — | $207 | 1.49% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST STREET SUITE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $6K | $8K | 75.29% |
| JA BENEFITS LLC3 | PO BOX 159 BEDFORD, IN 47421 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $241 | — | $241 | 2.26% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH STREET SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $105 | — | $105 | 0.98% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST STREET SUITE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $752 | $5K | $6K | 55.87% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH STREET SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $322 | — | $322 | 3.22% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST STREET SUITE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $695 | $6K | $6K | 65.84% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH STREET SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $147 | — | $147 | 1.53% |
| JA BENEFITS LLC3 | PO BOX 159 BEDFORD, IN 47421 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $39 | — | $39 | 0.41% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST STREET SUITE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $5K | $7K | 83.34% |
| JA BENEFITS LLC3 | PO BOX 159 BEDFORD, IN 47421 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $248 | — | $248 | 2.77% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH STREET SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $165 | — | $165 | 1.85% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST STREET SUITE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 64.10% |
| AON CONSULTING INC3 Filed as: AON RISK SVCS CENTRAL | 450 EAST 96TH STREET SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 27.48% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST STREET SUITE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $168 | $6K | $6K | 72.48% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH STREET SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $72 | — | $72 | 0.90% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST STREET SUITE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $5K | $6K | 80.63% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH STREET SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $225 | — | $225 | 2.84% |
| JA BENEFITS LLC3 | PO BOX 159 BEDFORD, IN 47421 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $115 | — | $115 | 1.45% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST STREET SUITE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $552 | $5K | $5K | 78.76% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH STREET SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $236 | — | $236 | 3.45% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST STREET SUITE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $283 | $6K | $6K | 98.24% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH STREET SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $122 | — | $122 | 2.03% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST STREET SUITE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $975 | $6K | $7K | 137.34% |
| JA BENEFITS LLC3 | PO BOX 159 BEDFORD, IN 47421 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $96 | — | $96 | 2.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH STREET SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $50 | — | $50 | 1.04% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST STREET SUITE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $261 | $5K | $5K | 125.49% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH STREET SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $89 | — | $89 | 2.19% |
| JA BENEFITS LLC3 | PO BOX 159 BEDFORD, IN 47421 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6 | — | $6 | 0.15% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST STREET SUITE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $284 | $6K | $6K | 148.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH STREET SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $122 | — | $122 | 3.06% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST STREET SUITE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $5K | $7K | 172.30% |
| JA BENEFITS LLC3 | PO BOX 159 BEDFORD, IN 47421 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $219 | — | $219 | 5.49% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH STREET SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26 | — | $26 | 0.65% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST STREET SUITE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $158 | $5K | $5K | 262.17% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH STREET SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $66 | — | $66 | 3.46% |
| JA BENEFITS LLC3 | PO BOX 159 BEDFORD, IN 47421 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1 | — | $1 | 0.05% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST STREET SUITE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $44 | $6K | $6K | 481.97% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH STREET SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19 | — | $19 | 1.62% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST STREET SUITE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $322 | $5K | $5K | 513.02% |
| JA BENEFITS LLC3 | PO BOX 159 BEDFORD, IN 47421 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $32 | — | $32 | 3.18% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH STREET SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17 | — | $17 | 1.69% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST STREET SUITE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $33 | $6K | $6K | 590.50% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH STREET SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14 | — | $14 | 1.46% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST STREET SUITE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $58 | $5K | $5K | 595.02% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH STREET SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25 | — | $25 | 3.04% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY | 1820 EAST 1ST STREET SUITE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27 | $6K | $6K | 789.25% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH STREET SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12 | — | $12 | 1.68% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST STREET SUITE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $44 | $5K | $5K | 781.28% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH STREET SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19 | — | $19 | 3.04% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST STREET SUITE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $150 | $6K | $6K | 938.86% |
| JA BENEFITS LLC3 | PO BOX 159 BEDFORD, IN 47421 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15 | — | $15 | 2.44% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH STREET SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6 | — | $6 | 0.98% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST STREET SUITE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29 | $5K | $5K | 1261.14% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH STREET SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12 | — | $12 | 3.11% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST STREET SUITE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11 | $6K | $6K | 1535.42% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH STREET SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4 | — | $4 | 1.09% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST STREET SUITE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2 | $6K | $6K | 9870.18% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH STREET SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1 | — | $1 | 1.75% |
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 | 5,419 | 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) | 5,419 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 12,700 | $2.8M |
| Vision | VISION SERVICE PLAN | 6,262 | $651K |
| Life insurance(3 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 7,289 | $2.1M |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 4,929 | $779K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 6,608 | $452K |
| Other(36 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 7,289 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,700 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.