| 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 | $3K | $3K | 3.31% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM AGENCY, INC. | 500 W 13TH ST FT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM AGENCY, INC. | 500 W 13TH ST FT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 13.65% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM AGENCY, INC. | 500 W 13TH ST FT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 13.48% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM AGENCY, INC. | 500 W 13TH ST FT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $849 | $0 | $849 | 6.71% |
| 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 | $425 | $425 | 3.36% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM AGENCY, INC. | 500 W 13TH ST FT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 13.54% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 470 | $97K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 417 | $13K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 550 | $53K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 582 | $28K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 577 | $28K |
| Stop-loss / reinsurancereinsurance | GREAT MIDWEST INSURANCE COMPANY | 464 | $396K |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 550 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 582 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.