| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD STE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 12.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 200 BROOKSTONE CENTRE PKWY STE 118 COLOMBUS, GA 31904 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 6.47% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD STE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 17.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 200 BROOKSTONE CENTRE PKWY STE 118 COLUMBUS, GA 31904 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 6.54% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD STE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 12.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 200 BROOKSTONE CENTRE PKWY STE 118 COLUMBUS, GA 31904 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 6.26% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 15.33% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD STE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 12.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 200 BROOKSTONE CENTRE PKWY STE 118 COLUMBUS, GA 31904 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $822 | $822 | 6.43% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 W PLZ 2 250 PEHLE AVE W #400 SADDLE BROOK, NJ 07663 | UNUM INSURANCE COMPANY | $1K | $139 | $1K | 11.34% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 PLZ 2 250 PEHLE AVE W #400 SADDLE BROOK, NJ 07663 | UNUM INSURANCE COMPANY | $2K | $203 | $2K | 17.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 W PLAZA 2 250 PEHLE AVE W #400 SADDLE BROOK, NJ 07663 | UNUM INSURANCE COMPANY | $925 | $123 | $1K | 17.07% |
| RUTH A ANDERSON4 | 331 S FAYETTEVILLE ST CLAYTON, NC 27520 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $502 | $0 | $502 | 8.89% |
| SDM&R, INC DBA SENN DUNN INSURANCE3 Filed as: SDM&R INC DBA SENN DUNN INSURANCE | PO BOX 9375 GREENSBORO, NC 27429 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $402 | $0 | $402 | 7.12% |
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 | 307 | 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) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 289 | $13K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 254 | $39K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $61K |
| Other(7 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 289 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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.