| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHUSTER DRISCOLL LLC3 Filed as: SCHUSTER DRISCOLL & CO | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17K | — | $17K | 4.61% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SVCS NY LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | — | $12K | 3.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $975 | $8K | 14.74% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 S. CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $407 | $407 | 0.71% |
| SCHUSTER DRISCOLL LLC3 Filed as: THE SCHUSTER GROUP | 135 SOUTH ROAD FARMINGTON, CT 06032 | EYEMED VISION CARE | $922 | — | $922 | 7.46% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | EYEMED VISION CARE | $210 | — | $210 | 1.70% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 120 | $363K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 120 | $363K |
| Vision | EYEMED VISION CARE | 136 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $58K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $58K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $58K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.