| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $193K | $30K | $223K | 7.84% |
| FMLASOURCE INC5 Filed as: FMLASOURCE, INC. | 455 NORTH CITYFRONT PLAZA DRIVE 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $159K | $159K | 5.59% |
| DIRECTPATH, LLC5 Filed as: DIRECTPATH | 120 18TH STREET SOUTH BIRMINGHAM, AL 35233 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $102K | $102K | 3.60% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC. INS. GROUP, INC. | 1 KELLY WAY SPARKS GLENCO, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $21K | $37K | 1.28% |
| MOIS DEFAULT/UNASSIGNED5 | UNKNOWN LOUISVILLE, KY 40299 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $17 | $17 | 0.00% |
| ENSPIRE HEALTHCARE LLC3 Filed as: ENSPIRE HEALTHCARE, LLC | 7402 MOWINKLE DRIVE AUSTIN, TX 78736 | STANDARD INSURANCE COMPANY | $0 | $250K | $250K | 12.48% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $124K | $0 | $124K | 6.20% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC. INS. GROUP, INC. | 1 KELLY WAY SPARKS GLENCO, MD 21152 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 0.26% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH | UNKNOWN LOUISVILLE, KY 40299 | COMBINED INSURANCE | $541K | $0 | $541K | 35.18% |
| USI INSURANCE SERVICES LLC3 | 7770 JEFFERSON, SUITE 101 ALBUQUERQUE, NM 87109 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $35K | $0 | $35K | 8.62% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC. INS. GROUP, INC. | 1 KELLY WAY SPARKS GLENCO, MD 21152 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $10K | $0 | $10K | 2.48% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | PAN-AMERICAN LIFE INSURANCE COMPANY | $14K | $0 | $14K | 12.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | MUTUAL OF OMAHA INSURANCE COMPANY | $10K | $228 | $10K | 14.23% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC. INS. GROUP, INC. | 1 KELLY WAY SPARKS GLENCO, MD 21152 | MUTUAL OF OMAHA INSURANCE COMPANY | $759 | $160 | $919 | 1.33% |
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 | 7,775 | 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) | 7,775 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PAN-AMERICAN LIFE INSURANCE COMPANY | 165 | $114K |
| Dental | STANDARD INSURANCE COMPANY | 4,019 | $2.0M |
| Vision(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 6,416 | $2.4M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 7,775 | $2.8M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 7,775 | $2.8M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 7,775 | $2.8M |
| Prescription drug | CAPITAL RX, INC. | 7,775 | $466K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 7,775 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,775 | — |
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.