| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIRABITO GRESHAM INSURANCE3 | 423 COMMERECE RD STE 2 VESTAL, NY 13850 | MUTUAL OF OMAHA INSURANCE COMAPNY | $33K | $0 | $33K | 7.63% |
| MIRABITO GRESHAM INSURANCE3 | 423 COMMERECE RD STE 2 VESTAL, NY 13850 | MUTUAL OF OMAHA INSURANCE | $20K | $0 | $20K | 7.66% |
| MIRABITO GRESHAM INSURANCE3 | 423 COMMERECE RD STE 2 VESTAL, NY 13850 | COMPANION LIFE INSURANCE COMAPNY | $29K | $0 | $29K | 27.00% |
| FM5 | 455 N CITYFRONT PLZ DR 13TH FLOOR CHICAGO, IL 60611 | COMPANION LIFE INSURANCE COMAPNY | $0 | $11K | $11K | 10.87% |
| MIRABITO GRESHAM INSURANCE3 | 423 COMMERECE RD STE 2 VESTAL, NY 13850 | COMPANION LIFE INSURANCE COMAPNY | $18K | $0 | $18K | 27.00% |
| FMLASOURCE INC5 | 455 N CITYFRONT PLZ DR 13TH FLOOR CHICAGO, IL 60611 | COMPANION LIFE INSURANCE COMAPNY | $0 | $8K | $8K | 12.42% |
| MIRABITO GRESHAM INSURANCE3 | 423 COMMERECE RD STE 2 VESTAL, NY 13850 | UNITED OF OMAHA LIFE INSURANCE | $898 | $0 | $898 | 10.00% |
| MIRABITO GRESHAM INSURANCE3 | 423 COMMERECE RD STE 2 VESTAL, NY 13850 | UNITED OF OMAHA LIFE INSURANCE | $168 | $0 | $168 | 4.76% |
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 | 448 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 448 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMAPNY | 1,329 | $695K |
| Vision(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMAPNY | 1,329 | $695K |
| Life insurance(2 contracts) | COMPANION LIFE INSURANCE COMAPNY | 246 | $172K |
| Short-term disability(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMAPNY | 1,329 | $695K |
| Long-term disability(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMAPNY | 1,329 | $695K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE | 17 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,329 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.