| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMANDA LYNN FORD3 | 101 W BIG BEAVER RD S600 TROY, MA 48084 | BLUE CROSS BLUE SHIELD | $10K | $52K | $62K | 26.94% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DR STE 330 TROY, MI 48084 | BLUE CROSS BLUE SHIELD | — | $8K | $8K | 3.66% |
| ANGELA R MITCHELL3 | 901 WILSHIRE DR STE 330 TROY, MI 480845611 | BLUE CROSS BLUE SHIELD | $2K | $5K | $7K | 3.19% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITSGROUP INC | 901 WILSHIRE DR STE 330 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $4K | $12K | 10.01% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 4365 SOUTHWEST FWY STE 750 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.89% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DR STE 330 TROY, MI 480845611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $9K | 8.66% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 4365 SOUTHWEST FWY STE 750 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.83% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DR STE 330 TROY, MI 480845611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $3K | $13K | 14.21% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 4365 SOUTHWEST FWY STE 750 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.16% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DR STE 330 TROY, MI 480845611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $3K | $11K | 13.80% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 4365 SOUTHWEST FWY STE 750 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.17% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DR STE 330 TROY, MI 480845611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $9K | 13.31% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 4365 SOUTHWEST FWY STE 750 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.89% |
| UNITED OF OMAHA LIFE INSURANCE CO5 Filed as: UNITED OF OMAHA LIFE INS CO | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $48K | $48K | 95.01% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DR STE 330 TROY, MI 480845611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.17% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 4365 SOUTHWEST FWY STE 750 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $915 | $915 | 1.81% |
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 | 1,229 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 2,120 | $231K |
| Dental | BLUE CROSS BLUE SHIELD | 2,120 | $231K |
| Vision | BLUE CROSS BLUE SHIELD | 2,120 | $231K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,229 | $198K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 319 | $116K |
| Prescription drug | BLUE CROSS BLUE SHIELD | 2,120 | $231K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,229 | $322K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,120 | — |
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."
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.