| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARTIN R. MIRACLE3 | 840 GESSNER ROAD, STE 600 HOUSTON, TX 77024 | HIGHMARK, INC. | $12K | — | $12K | 2.88% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | SOUTHWEST P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $32K | — | $32K | 12.05% |
| SUPPLEMENTAL BENEFITS SERVICES INC3 Filed as: SUPPLEMENTAL BENEFIT SERVICES, INC. | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | — | $21K | 7.95% |
| FMLASOURCE INC5 Filed as: FMLASOURCE, INC. | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $28K | $28K | 30.42% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | SOUTHWEST P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | SOUTHWEST P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| GEISINGER INDEMNITY INSURANCE CO3 | — | GEISINGER QUALITY OPTIONS, INC. | — | $3K | $3K | 18.03% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND CO., INC. | ATTN COMMISSIONS DEPARTMENT BLUE BELL, PA 19422 | GEISINGER QUALITY OPTIONS, INC. | $377 | $6 | $383 | 2.25% |
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 | 1,328 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK, INC. | 57 | $436K |
| Vision(6 contracts) | HEARTLAND | 1,155 | $155K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,537 | $204K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 907 | $263K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,133 | $211K |
| Other(5 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,537 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,537 | — |
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.