| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 17335 GOLF PKWY STE 450 BROOKFIELD, WI 53045 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $3K | $11K | 17.56% |
| MARSH & MCLENNAN AGENCY LLC3 | 17335 GOLF PKWY STE 450 BROOKFIELD, WI 53045 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $3K | $12K | 22.47% |
| MARSH & MCLENNAN AGENCY LLC3 | 17335 GOLF PKWY STE 450 BROOKFIELD, WI 53045 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $8K | 17.46% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 14.89% |
| MARSH & MCLENNAN AGENCY LLC3 | 17335 GOLF PKWY STE 450 BROOKFIELD, WI 53045 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $753 | $2K | 17.52% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 PLZ 2 250 PEHLE AVE W #400 SADDLE BROOK, NJ 07663 | UNUM INSURANCE COMPANY | $2K | $128 | $2K | 15.96% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 W PLZ 2 250 PEHLE AVE W #400 SADDLE BROOK, NJ 07663 | UNUM INSURANCE COMPANY | $1K | $158 | $2K | 11.94% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 W PLAZA 2 250 PEHLE AVE W #400 SADDLE BROOK, NJ 07663 | UNUM INSURANCE COMPANY | $964 | $75 | $1K | 16.14% |
| RUTH A ANDERSON4 | 331 S FAYETTEVILLE ST CLAYTON, NC 27520 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $369 | $0 | $369 | 6.69% |
| 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 | $276 | $0 | $276 | 5.00% |
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 | 297 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 302 | $14K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 270 | $46K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 101 | $63K |
| Other(7 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 302 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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.