| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 16.02% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $529 | $529 | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $4K | 15.57% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $266 | $266 | 0.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $590 | $3K | 19.06% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $218 | $218 | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| WATCHTOWER BENEFITS, LLC5 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $113 | $113 | 1.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 20.00% |
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 | 193 | 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) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 193 | $42K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 193 | $35K |
| Other(6 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 193 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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."
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.