| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 | 5151 BELTLINE ROAD, SUITE 200 DALLAS, TX 752541460 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 8.69% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS OF TX | 818 TOWN AND COUNTRY BLVD. SUITE 500 HOUSTON, TX 770244549 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 8.65% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS OF TX | 5080 SPECTRUM DRIVE SUITE 900E ADDISON, TN 75001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $249 | $2K | 9.37% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 5151 BELT LINE ROAD SUITE 200 DALLAS, TX 27409 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $75 | $2K | 7.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS | 5080 SPECTRUM DRIVE SUITE 900E ADDISON, TX 75001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $249 | $2K | 9.41% |
| WELLS FARGO INSURANCE SERVICES3 | 5151 BELTLINE ROAD, SUITE 200 DALLAS, TX 75254 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $75 | $2K | 7.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS. SVCS USA, INC. | 5151 BELT LINE RD SUITE 200 DALLAS, TX 75254 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $724 | $36 | $760 | 15.74% |
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 | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 176 | $88K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 176 | $88K |
| Other(5 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 176 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.