| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROPEL INSURANCE AGENCY LLC3 | 151 MAJOR REYNOLDS PLACE SUITE 210 KNOXVILLE, TX 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | — | $14K | 20.00% |
| PROPEL INSURANCE AGENCY LLC3 | PO BOX 2940 TACOMA, WA 98402 | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | $76K | — | $76K | 116.36% |
| PROPEL INSURANCE AGENCY LLC3 | 151 MAJOR REYNOLDS PLACE SUITE 210 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| PROPEL INSURANCE AGENCY LLC3 | 151 MAJOR REYNOLDS PLACE SUITE 210 KNOXVILLE, TX 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 26.00% |
| PROPEL INSURANCE AGENCY LLC3 | 151 MAJOR REYNOLDS PLACE SUITE 210 KNOXVILLE, TX 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| PAYCOM PAYROLL LLC3 | 7501 WEST MEMORIAL ROAD OKLAHOMA CITY, OK 73142 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $924 | $924 | 5.12% |
| PROPEL INSURANCE AGENCY LLC3 | 151 MAJOR REYNOLDS PLACE SUITE 210 KNOXVILLE, TX 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| PROPEL INSURANCE AGENCY LLC3 | 151 MAJOR REYNOLDS PLACE SUITE 210 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| PAYCOM PAYROLL LLC3 | 7501 WEST MEMORIAL ROAD OKLAHOMA CITY, OK 73142 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $924 | $924 | 10.37% |
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 | 159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHKEEPERS, INC. | 126 | $1.4M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 123 | $66K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 123 | $66K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $27K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 84 | $71K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 46 | $28K |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.