| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JA BENEFITS LLC3 | 1630 H ST BEFORD, IN 47421 | SYMETRA LIFE INSURANCE COMPANY | $193K | $59K | $252K | 7.50% |
| JA BENEFITS LLC3 | 1630 H STREET BEDFORD, IN 47421 | ANTHEM INSURANCE COMPANIES, INC. | $44K | — | $44K | 1.85% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST ST STE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $4K | $6K | 8.81% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH ST SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $961 | — | $961 | 1.36% |
| JA BENEFITS LLC3 | PO BOX 159 BEDFORD, IN 47421 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST ST STE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 10.38% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST ST STE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.93% |
| AON CONSULTING INC3 Filed as: AON RISK SVCS CENTRAL | 450 E 96TH ST STE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.63% |
| JA BENEFITS LLC3 | 1630 H ST BEDFORD, IN 47421 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $135 | — | $135 | 0.22% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST ST STE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $3K | $7K | 13.28% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH ST SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.73% |
| JA BENEFITS LLC3 | PO BOX 159 BEDFORD, IN 47421 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST ST STE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $3K | $7K | 14.85% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH ST SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.67% |
| JA BENEFITS LLC3 | PO BOX 159 BEDFORD, IN 47421 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $78 | — | $78 | 0.16% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST ST STE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $4K | $5K | 12.47% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH ST SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $604 | — | $604 | 1.37% |
| JA BENEFITS LLC3 | PO BOX 159 BEDFORD, IN 47421 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16 | — | $16 | 0.04% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST ST STE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $4K | $5K | 12.52% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH ST SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $595 | — | $595 | 1.37% |
| JA BENEFITS LLC3 | PO BOX 159 BEDFORD, IN 47421 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12 | — | $12 | 0.03% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST ST STE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 15.33% |
| AON CONSULTING INC3 Filed as: AON RISK SVCS CENTRAL | 450 E 96TH ST STE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $696 | — | $696 | 1.64% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST ST STE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $4K | $6K | 13.29% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH ST SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $606 | — | $606 | 1.45% |
| JA BENEFITS LLC3 | PO BOX 159 BEDFORD, IN 47421 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27 | — | $27 | 0.06% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST ST STE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $3K | $6K | 15.29% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH ST SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $945 | — | $945 | 2.28% |
| JA BENEFITS LLC3 | PO BOX 159 BEDFORD, IN 47421 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $70 | — | $70 | 0.17% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST ST STE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $3K | $6K | 17.27% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH ST SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $960 | — | $960 | 2.66% |
| JA BENEFITS LLC3 | PO BOX 159 BEDFORD, IN 47421 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $57 | — | $57 | 0.16% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST ST STE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $381 | $4K | $4K | 33.30% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH ST SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $163 | — | $163 | 1.26% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST ST STE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $582 | $3K | $4K | 41.67% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH ST SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $249 | — | $249 | 2.54% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST ST STE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $505 | $4K | $4K | 47.12% |
| 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 | $81 | — | $81 | 0.86% |
| JA BENEFITS LLC3 | PO BOX 159 BEDFORD, IN 47421 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $36 | — | $36 | 0.38% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST ST STE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $332 | $4K | $4K | 47.36% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH ST SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $107 | — | $107 | 1.19% |
| JA BENEFITS LLC3 | PO BOX 159 BEDFORD, IN 47421 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9 | — | $9 | 0.10% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST ST STE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $267 | $4K | $4K | 48.09% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH ST SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $114 | — | $114 | 1.31% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST ST STE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $650 | $3K | $4K | 56.91% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH ST SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $145 | — | $145 | 1.99% |
| JA BENEFITS LLC3 | PO BOX 159 BEDFORD, IN 47421 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35 | — | $35 | 0.48% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST ST STE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $654 | $3K | $4K | 58.97% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH ST SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $112 | — | $112 | 1.59% |
| JA BENEFITS LLC3 | PO BOX 159 BEDFORD, IN 47421 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $44 | — | $44 | 0.63% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST ST STE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $439 | $3K | $4K | 57.55% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH ST SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $188 | — | $188 | 2.75% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST ST STE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $220 | $4K | $4K | 60.68% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH ST SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $95 | — | $95 | 1.39% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST ST STE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $989 | — | $989 | 14.87% |
| AON CONSULTING INC3 Filed as: AON RISK SVCS CENTRAL | 450 E 96TH ST STE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $424 | — | $424 | 6.37% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST ST STE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $338 | $3K | $4K | 78.49% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH ST SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $140 | — | $140 | 2.87% |
| JA BENEFITS LLC3 | PO BOX 159 BEDFORD, IN 47421 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST ST STE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $178 | $4K | $4K | 100.27% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH ST SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $40 | — | $40 | 0.98% |
| JA BENEFITS LLC3 | PO BOX 159 BEDFORD, IN 47421 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9 | — | $9 | 0.22% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST ST STE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $342 | $3K | $4K | 110.80% |
| JA BENEFITS LLC3 | PO BOX 159 BEDFORD, IN 47421 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35 | — | $35 | 1.01% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH ST SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15 | — | $15 | 0.43% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST ST STE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $91 | $4K | $4K | 143.52% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH ST SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $39 | — | $39 | 1.39% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST ST STE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 99.66% |
| JA BENEFITS LLC3 | 1630 H ST BEDFORD, IN 47421 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $290 | — | $290 | 11.07% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST ST STE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $392 | — | $392 | 15.40% |
| AON CONSULTING INC3 Filed as: AON RISK SVCS CENTRAL | 450 E 96TH ST STE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $38 | — | $38 | 1.49% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST ST STE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $110 | $3K | $4K | 210.51% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH ST SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $47 | — | $47 | 2.74% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST ST STE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37 | $4K | $4K | 296.85% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH ST SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16 | — | $16 | 1.20% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST ST STE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $64 | $3K | $4K | 305.06% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH ST SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27 | — | $27 | 2.31% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST ST STE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $33 | $4K | $4K | 377.41% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH ST SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14 | — | $14 | 1.33% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST ST STE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $129 | $3K | $4K | 376.04% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH ST SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15 | — | $15 | 1.56% |
| JA BENEFITS LLC3 | PO BOX 159 BEDFORD, IN 47421 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10 | — | $10 | 1.04% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST ST STE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $49 | $4K | $4K | 654.86% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH ST SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5 | — | $5 | 0.82% |
| JA BENEFITS LLC3 | PO BOX 159 BEDFORD, IN 47421 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4 | — | $4 | 0.66% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST ST STE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $34 | $3K | $4K | 668.56% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH ST SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14 | — | $14 | 2.65% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST ST STE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15 | $4K | $4K | 912.27% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH ST SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7 | — | $7 | 1.62% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST ST STE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8 | $4K | $4K | 1518.92% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH ST SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4 | — | $4 | 1.54% |
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 | 5,185 | 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) | 5,185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 188 | $2.4M |
| Vision(3 contracts) | VISION SERVICE PLAN | 5,337 | $690K |
| Life insurance(6 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 7,436 | $3.5M |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 7,436 | $3.4M |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 7,436 | $3.4M |
| Other(39 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 7,590 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,590 | — |
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.