| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUMMIT FINANCIAL GROUP INC.3 | 1350 S BOULDER AVE STE 300 TULSA, OK 741193222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $873 | $522 | $1K | 7.33% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $217 | $217 | 1.14% |
| WILLIAM F LATZ3 | 30 LINCOLN LANE WEATOGUE, CT 06089 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $79 | — | $79 | 0.41% |
| SUMMIT FINANCIAL GROUP INC.3 | 1350 S BOULDER AVE STE 300 TULSA, OK 741193222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $450 | $2K | 11.95% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $188 | $188 | 1.16% |
| WILLIAM F LATZ3 | 30 LINCOLN LANE WEATOGUE, CT 06089 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $134 | — | $134 | 0.83% |
| SUMMIT FINANCIAL GROUP INC.3 | 1350 S BOULDER AVE STE 300 TULSA, OK 74119 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $431 | $2K | 11.87% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY STE 600 WEST HILLS LAKE, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $180 | $180 | 1.12% |
| WILLIAM F LATZ3 | 30 LINCOLN LANE WEATOGUE, CT 06089 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $130 | — | $130 | 0.81% |
| SUMMIT FINANCIAL GROUP INC.3 | 1350 S BOULDER AVE STE 300 TULSA, OK 741193222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $391 | $2K | 16.57% |
| WILLIAM F LATZ3 | 30 LINCOLN LANE WEATOGUE, CT 06089 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $173 | — | $173 | 1.25% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $163 | $163 | 1.18% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $14K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $19K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $16K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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.