| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PKWY NW STE 800 ATLANTA, GA 30327 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $5K | 9.45% |
| SHEALY BENEFITS SERVICES INC5 Filed as: SHEALY BENEFITS SERVICES | 215 HOGAN WAY LEXINGTON, SC 29072 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 4401 NORTHSIDE PKWY NW STE 800 ATLANTA, GA 30327 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.29% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PKWY NW STE 800 ATLANTA, GA 30327 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 14.73% |
| MARSH & MCLENNAN AGENCY LLC3 | 4401 NORTHSIDE PKWY NW STE 800 ATLANTA, GA 30327 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.61% |
| SHEALY BENEFITS SERVICES INC5 Filed as: SHEALY BENEFITS SERVICES | 215 HOGAN WAY LEXINGTON, SC 29072 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $850 | $850 | 4.00% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PKWY NW STE 800 ATLANTA, GA 30327 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $904 | $3K | 14.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 4401 NORTHSIDE PKWY NW STE 800 ATLANTA, GA 30327 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.88% |
| SHEALY BENEFITS SERVICES INC5 Filed as: SHEALY BENEFITS SERVICES | 215 HOGAN WAY LEXINGTON, SC 29072 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $730 | $730 | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 4401 NORTHSIDE PKWY NW STE 800 ATLANTA, GA 30327 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $593 | $4K | 23.53% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES | 215 HOGAN WAY LEXINGTON, SC 29072 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $842 | $842 | 5.00% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PKWY NW STE 800 ATLANTA, GA 30327 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $918 | $2K | 14.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 4401 NORTHSIDE PKWY NE STE 800 ATLANTA, GA 30327 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.39% |
| SHEALY BENEFITS SERVICES INC5 Filed as: SHEALY BENEFITS SERVICES | 215 HOGAN WAY LEXINGTON, SC 29072 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $663 | $663 | 4.00% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PKWY NW STE 800 ATLANTA, GA 30327 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $654 | $539 | $1K | 12.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 4401 NORTHSIDE PKWY NW STE 800 ATLANTA, GA 30327 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $320 | $0 | $320 | 3.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 4401 NORTHSIDE PKWY NW STE 800 ATLANTA, GA 30327 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $274 | $2K | 23.15% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES | 215 HOGAN WAY LEXINGTON, SC 29072 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $436 | $436 | 5.00% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PKWY NW STE 800 ATLANTA, GA 30327 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $817 | $368 | $1K | 14.19% |
| MARSH & MCLENNAN AGENCY LLC3 | 4401 NORTHSIDE PKWY NW STE 800 ATLANTA, GA 30327 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $436 | $0 | $436 | 5.22% |
| SHEALY BENEFITS SERVICES INC5 Filed as: SHEALY BENEFITS SERVICES | 215 HOGAN WAY LEXINGTON, SC 29072 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $334 | $334 | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 4401 NORTHSIDE PKWY NW STE 800 ATLANTA, GA 30327 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $225 | $1K | 23.80% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES | 215 HOGAN WAY LEXINGTON, SC 29072 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $296 | $296 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ACS BENEFITS SERVICES, LLC ADMIN | Claims processing Service code 12 | 5660 UNIVERSITY PKWY 5TH FLOOR WINSTON-SALEM, NC 27105 | $40K |
| IRONWOOD BENEFITS ADVISORY SERVICES BROKER | Insurance agents and brokers Service code 22 | 4401 NORTHSIDE PARKWAY SUITE 800 ATLANTA, GA 30327 | $38K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $20K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $6K |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TELADOC HEALTH, INC. | 0 | $0 |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 86 | $57K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 82 | $10K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 136 | $27K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 45 | $21K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 45 | $17K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 90 | $312K |
| Other(8 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 136 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.