| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 105 W EVERGREEN BLVD SUITE 200 VANCOUVER, WA 98660 | VISION SERVICE PLAN | $621 | $0 | $621 | 4.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 901 MARQUETTE AVE STE 18000 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $353 | $0 | $353 | 2.75% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 80 SOUTH 8TH STREET #700 MINNEAPOLIS, MN 55402 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $588 | $0 | $588 | 4.61% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 401 UNION ST FL 31 SEATTLE, WA 98101 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $490 | $0 | $490 | 3.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 901 MARQUETTE AVE. SUITE 1800 MINNEAPOLIS, MN 55402 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $197 | $0 | $197 | 1.55% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 80 SOUTH 8TH STREET #700 MINNEAPOLIS, MN 55402 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.24% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 401 UNION ST FL 31 SEATTLE, WA 98101 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $883 | $0 | $883 | 7.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 901 MARQUETTE AVE. SUITE 1800 MINNEAPOLIS, MN 55402 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $355 | $0 | $355 | 3.09% |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 142 | $13K |
| Life insurance | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 158 | $11K |
| Long-term disability | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 158 | $13K |
| Other | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 158 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.