| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVO BENEFITS GROUP3 Filed as: INNOVO BENEFITS GROUP LLC | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $35K | — | $35K | 4.28% |
| INNOVO BENEFITS GROUP3 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 10.91% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.42% |
| ERIC BROGAN Filed as: ERIC GULKO | — | VISION SERVICE PLAN | $568 | — | $568 | 8.97% |
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). |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 64 | $826K |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 64 | $826K |
| Vision | VISION SERVICE PLAN | 45 | $6K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $87K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $87K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.