| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES WAY WESTLAKE, OH 44145 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| FIRST NATIONAL INS AGENCY3 Filed as: FIRST NATIONAL INS AGENCY LLC | 12 FEDERAL ST, STE 405 PITTSBURGH, PA 15212 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $345 | $345 | 0.91% |
| FIRST NATIONAL INS AGENCY3 | 12 FEDERAL ST STE 405 PITTSBURGH, PA 15212 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $677 | $6K | 17.02% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 7.00% |
| FIRST NATIONAL INS AGENCY3 | 12 FEDERAL ST STE 405 PITTSBURGH, PA 15212 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $494 | $5K | 16.80% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 7.00% |
| FIRST NATIONAL INS AGENCY3 | 12 FEDERAL ST STE 405 PITTSBURGH, PA 15212 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $886 | $184 | $1K | 12.08% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $620 | $620 | 7.00% |
| FIRST NATIONAL INS AGENCY3 | 12 FEDERAL ST STE 405 PITTSBURGH, PA 15212 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $201 | $2K | 27.35% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $600 | $600 | 7.00% |
| FIRST NATIONAL INS AGENCY3 | 12 FEDERAL ST STE 405 PITTSBURGH, PA 15212 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $746 | $158 | $904 | 10.92% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $579 | $579 | 6.99% |
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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 79 | $38K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 76 | $8K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 131 | $17K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 80 | $27K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 69 | $33K |
| Other(6 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 131 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.