| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MAHER ROSENHEIM COMFORT & TABASH LL3 | 230 SOUTH BEMISTON AVENUE FL 900 SAINT LOUIS, MO 63105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $131 | $9K | 10.14% |
| MAHER ROSENHEIM COMFORT & TABASH LL3 | 230 SOUTH BEMISTON AVENUE FL 900 SAINT LOUIS, MO 63105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $98 | $3K | 15.50% |
| MRCT BENEFITS PLUS3 | 230 SOUTH BEMISTON SUITE 900 ST LOUIS, MO 63105 | EYE MED | $1K | — | $1K | 8.23% |
| MAHER ROSENHEIM COMFORT & TABASH LL3 | 230 SOUTH BEMISTON AVENUE FL 900 SAINT LOUIS, MO 63105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $89 | $2K | 15.51% |
| MAHER ROSENHEIM COMFORT & TABASH LL3 | 230 SOUTH BEMISTON AVENUE FL 900 SAINT LOUIS, MO 63105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $502 | $30 | $532 | 10.61% |
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 | 169 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 129 | $92K |
| Vision | EYE MED | 242 | $16K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $25K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $15K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.