| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GOODMAN VENEGAS INS AGCY3 | 2800 LIVERNOIS STE 170 TROY, MI 48083 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 13.98% |
| LAWRENCE E. WALL3 | 360 HILLANDELL DRIVE BIRMINGHAM, AL 35244 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $322 | — | $322 | 1.02% |
| GOODMAN VENEGAS INS AGCY3 | 2800 LIVERNOIS STE 170 TROY, MI 48083 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 14.06% |
| LAWRENCE E. WALL3 | 360 HILLANDELL DRIVE BIRMINGHAM, AL 35244 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $283 | — | $283 | 0.95% |
| GOODMAN VENEGAS INS AGCY3 | 2800 LIVERNOIS STE 170 TROY, MI 48083 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 14.10% |
| REGINA JESSUP GOODMAN3 Filed as: REGINA G GOODMAN | 2800 LIVERNOIS STE 170 TROY, MI 48083 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.72% |
| LAWRENCE E. WALL3 | 360 HILLANDELL DR BIRMINGHAM, AL 35244 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $262 | — | $262 | 0.90% |
| GOODMAN VENEGAS INS AGCY3 | 2800 LIVERNOIS STE 170 TROY, MI 48086 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.42% |
| REGINA JESSUP GOODMAN3 Filed as: REGINA G GOODMAN | 2800 LIVERNOIS 170 TROY, MI 48083 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $451 | — | $451 | 1.71% |
| LAWRENCE E. WALL3 | 360 HILLANDELL DRIVE BIRMINGHAM, AL 35244 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $153 | — | $153 | 0.58% |
| GOODMAN VENEGAS INS AGCY3 | 2800 LIVERNOIS STE 170 TROY, MI 48083 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 14.07% |
| LAWRENCE E. WALL3 Filed as: LAWRENCE E WALL | 360 HILLANDELL DR BIRMINGHAM, AL 35244 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $216 | — | $216 | 0.93% |
| GOODMAN VENEGAS INS AGCY3 | 2800 LIVERNOIS STE 170 TROY, MI 48083 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 14.05% |
| LAWRENCE E. WALL3 Filed as: LAWRENCE E WALL | 360 HILLANDELL DRIVE BIRMINGHAM, AL 35244 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $206 | — | $206 | 0.96% |
| GOODMAN VENEGAS INS AGCY3 | 2800 LIVERNOIS STE 170 TROY, MI 48083 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 14.20% |
| LAWRENCE E. WALL3 Filed as: LAWRENCE E WALL | 360 HILLANDELL DRIVE BIRMINGHAM, AL 35244 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $118 | — | $118 | 0.79% |
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 | 381 | 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) | 381 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 381 | $1.8M |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 381 | $1.8M |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 228 | $26K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 420 | $61K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 160 | $45K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 381 | $1.8M |
| Other(4 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 420 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 420 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.