| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD, STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.18% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $537 | $2K | 1.95% |
| STAHL & ASSOCIATES INSURANCE INC.3 | 110 CARILLON PKWY ST. PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.69% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.58% |
| MURPHY FAMILY INS CO3 Filed as: MURPHY FAMILY INSURANCE COMPANY | 37048 US HWY 27 HAINES CITY, FL 33844 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.39% |
| STAHL & ASSOCIATES INSURANCE INC.3 | 110 CARRILLON PKWY ST. PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 11.81% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $626 | $5K | 11.62% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD, STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.32% |
| STAHL & ASSOCIATES INSURANCE INC.3 | 110 CARILLON PKWY ST. PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 11.75% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $381 | $3K | 10.57% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD, STE. 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $640 | $640 | 2.20% |
| STAHL & ASSOCIATES INSURANCE INC.3 | 110 CARRILLON PKWY ST. PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 11.40% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $363 | $3K | 10.99% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD, STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $595 | $595 | 2.28% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 11.07% |
| MURPHY FAMILY INS CO3 Filed as: MURPHY FAMILY INSURANCE COMPANY | 37048 US HWY 27 HAINES CITY, FL 33844 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.44% |
| STAHL & ASSOCIATES INSURANCE INC.3 | 110 CARILLON PKWY ST. PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.53% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $943 | $189 | $1K | 7.76% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD, STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $314 | $314 | 2.15% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 14.55% |
| MURPHY FAMILY INS CO3 Filed as: MURPHY FAMILY INSURANCE COMPANY | 37048 US HWY 27 HAINES CITY, FL 33844 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $633 | $0 | $633 | 4.90% |
| MURPHY FAMILY INS CO3 Filed as: MURPHY FAMILY INSURANCE COMPANY | 5512 JEFFERSON DAVIS HWY BEECH ISLAND, SC 29842 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $392 | $0 | $392 | 3.04% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.47% |
| MURPHY FAMILY INS CO3 Filed as: MURPHY FAMILY INSURANCE COMPANY | 37048 US HWY 27 HAINES CITY, FL 33844 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $690 | $0 | $690 | 5.49% |
| MURPHY FAMILY INS CO3 Filed as: MURPHY FAMILY INSURANCE COMPANY | 5512 JEFFERSON DAVIS HWY BEECH ISLAND, SC 29842 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $389 | $0 | $389 | 3.09% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $897 | $0 | $897 | 9.85% |
| MURPHY FAMILY INS CO3 Filed as: MURPHY FAMILY INSURANCE COMPANY | 37048 US HWY 27 HAINES CITY, FL 33844 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $277 | $0 | $277 | 3.04% |
| MURPHY FAMILY INS CO3 Filed as: MURPHY FAMILY INSURANCE COMPANY | 5512 JEFFERSON DAVIS HWY BEECH ISLAND, SC 29842 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $206 | $0 | $206 | 2.26% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 31.25% |
| MURPHY FAMILY INS CO3 Filed as: MURPHY FAMILY INSURANCE COMPANY | 37048 US HWY 27 HAINES CITY, FL 33844 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $555 | $0 | $555 | 8.67% |
| MURPHY FAMILY INS CO3 Filed as: MURPHY FAMILY INSURANCE COMPANY | 5512 JEFFERSON DAVIS HWY BEECH ISLAND, SC 29842 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $550 | $0 | $550 | 8.59% |
| LORI BARNES3 | 224 N PENNSYLVANIA ST. GREENFIELD, IN 46140 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $65 | $0 | $65 | 1.02% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $537 | $0 | $537 | 26.39% |
| MURPHY FAMILY INS CO3 Filed as: MURPHY FAMILY INSURANCE COMPANY | 37048 US HWY 27 HAINES CITY, FL 33844 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $164 | $0 | $164 | 8.06% |
| MURPHY FAMILY INS CO3 Filed as: MURPHY FAMILY INSURANCE COMPANY | 5512 JEFFERSON DAVIS HWY BEECH ISLAND, SC 29842 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $90 | $0 | $90 | 4.42% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | $0 | $27 | 2.66% |
| MURPHY FAMILY INS CO3 Filed as: MURPHY FAMILY INSURANCE COMPANY | 37048 US HWY 27 HAINES CITY, FL 33844 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | $0 | $22 | 2.17% |
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 | 199 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 125 | $84K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 113 | $15K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 336 | $91K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 86 | $29K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 65 | $26K |
| Other(9 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 336 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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.