| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANCED BENEFIT INC3 Filed as: ADVANCED LLC | 2248 N MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $3K | $12K | 16.15% |
| FMLASOURCE INC5 | 455 N CITYFRONT PLZ DR 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 7.61% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.35% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS INC | 8337 W SUNSET RD STE 150 LAS VEGAS, NV 89113 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.75% |
| ADVANCED BENEFIT INC3 Filed as: ADVANCED LLC | 2248 N MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $6K | 15.30% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS INC | 8337 W SUNSET RD STE 150 LAS VEGAS, NV 89113 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.21% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.01% |
| ADVANCED BENEFIT INC3 Filed as: ADVANCED LLC | 2248 N MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 14.30% |
| BROWN & BROWN INSURANCE SERVICES5 Filed as: BROWN & BROWN INSURANCE SVCS INC | 8337 W SUNSET RD STE 150 LAS VEGAS, NV 89113 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.69% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $907 | $907 | 2.56% |
| ADVANCED BENEFIT INC3 Filed as: ADVANCED LLC | 2248 N MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 14.47% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS INC | 8337 W SUNSET RD STE 150 LAS VEGAS, NV 89113 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.75% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $947 | $947 | 2.76% |
| ADVANCED BENEFIT INC3 Filed as: ADVANCED BENEFIT LLC | 2248 N MERRITT CREEK LOOP COEUR D ALENE, MD 83814 | VISION SERVICE PLAN | $1K | — | $1K | 4.41% |
| ADVANCED BENEFIT INC3 Filed as: ADVANCED LLC | 2248 N MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $754 | $147 | $901 | 12.01% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS INC | 8337 W SUNSET RD STE 150 LAS VEGAS, NV 89113 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $371 | — | $371 | 4.94% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $126 | $126 | 1.68% |
| BROWN & BROWN INSURANCE SERVICES3 | 8337 W SUNSET RD STE 150 LAS VEGAS, NV 89113 | PRINCIPAL LIFE INSURANCE COMPANY | $233 | — | $233 | 17.09% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2448 N MERRIT CREEK LOOP COEUR D ALENE, ID 83814 | PRINCIPAL LIFE INSURANCE COMPANY | $121 | — | $121 | 8.88% |
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 | 157 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 114 | $26K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $37K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $71K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $35K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE CO. | 107 | $321K |
| Other(5 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 255 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.