| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC NJ | 29840 NETWORK PLACE CHICAGO, IL 60673 | CALIFORNIA PHYSICIANS' SERVICE | — | $167K | $167K | 4.80% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE FL 21 NEW YORK, AA 10173 | CALIFORNIA PHYSICIANS' SERVICE | — | $16K | $16K | 0.47% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $2K | $24K | 6.89% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVE RM 3202 ATTN ACCOUNTING NEW YORK, NY 101663201 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $1K | $10K | 2.99% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.34% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 777 S FIGUEROA STREET FLOOR 52 LOS ANGELES, CA 900175800 | METROPOLITAN LIFE INSURANCE COMPANY | $43 | $70 | $113 | 0.03% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 650823 DALLAS, TX 752650823 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4 | $4 | 0.00% |
| AON CONSULTING INC3 Filed as: AON LOS ANGELES CA | PO BOX 905494 CHARLOTTE, NC 28290 | ARMADACARE | $250 | — | $250 | 0.31% |
| AON CONSULTING INC3 | 707 WILSHIRE BLVD STE 2600 LOS ANGELES, CA 90017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 8.42% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 200 PARK AVE FL 32 NEW YORK, NY 10166 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $835 | — | $835 | 1.32% |
| AON CONSULTING INC3 | 707 WILSHIRE BLVD STE 2600 LOS ANGELES, CA 90017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 8.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 200 PARK AVE NEW YORK, NY 10166 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $587 | — | $587 | 1.32% |
| AON CONSULTING INC3 | 707 WILSHIRE BLVD STE 2600 LOS ANGELES, CA 90017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 7.40% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 200 PARK AVE FL 32 NEW YORK, NY 10166 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $263 | — | $263 | 1.46% |
| AON CONSULTING INC3 | 707 WILSHIRE BLVD STE 2600 LOS ANGELES, CA 90017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $499 | — | $499 | 4.77% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | 707 WILSHIRE BLVD STE 2600 LOS ANGELES, CA 90017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $453 | — | $453 | 4.33% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 200 PARK AVE FL 32 NEW YORK, NY 10166 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $95 | — | $95 | 0.91% |
| AON CONSULTING INC3 | 707 WILSHIRE BLVD STE 2600 LOS ANGELES, CA 90017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $848 | — | $848 | 10.46% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | 707 WILSHIRE BLVD STE 2600 LOS ANGELES, CA 90017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $618 | — | $618 | 7.62% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 200 PARK AVE FL 32 NEW YORK, NY 10166 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $157 | — | $157 | 1.94% |
| AON CONSULTING INC3 | 707 WILSHIRE BLVD STE 2600 LOS ANGELES, CA 90017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $763 | — | $763 | 14.32% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | 707 WILSHIRE BLVD STE 2600 LOS ANGELES, CA 90017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $184 | — | $184 | 3.45% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 200 PARK AVE FL 32 NEW YORK, NY 10166 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $119 | — | $119 | 2.23% |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 430 | $3.6M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 637 | $431K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 637 | $431K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $55K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $63K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 76 | $18K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 430 | $3.6M |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 637 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.