| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DRIVE FORT WASHINGTON, PA 19034 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $47K | $0 | $47K | 11.45% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS INC. | 10 RESEARCH PKWY WALLINGFORD, CT 06492 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $4K | $7K | 10.75% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $316 | $316 | 0.52% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC | 10 RESEARCH PKWY WALLINGFORD, CT 06492 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $7K | 23.52% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $369 | $369 | 1.31% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC | 10 RESEARCH PKWY WALLINGFORD, CT 06492 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $811 | $2K | 16.64% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $127 | $127 | 1.16% |
| PROFESSIONAL PENSION INC.3 | 10 RESEARCH PKWY WALLINGFORD, CT 06492 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $937 | $731 | $2K | 16.50% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $109 | $109 | 1.08% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS INC. | 10 RESEARCH PKWY WALLINGFORD, CT 06492 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $806 | $702 | $2K | 16.61% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $103 | $103 | 1.13% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC | 10 RESEARCH PKWY WALLINGFORD, CT 06492 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $735 | $536 | $1K | 16.13% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $70 | $70 | 0.89% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PKWY WALLINGFORD, CT 06492 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $460 | $382 | $842 | 16.98% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $63 | $63 | 1.27% |
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 | 146 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 94 | $61K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 90 | $9K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $10K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 43 | $11K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 130 | $412K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.