| 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 | $343K | $110K | $453K | 16.11% |
| FMLASOURCE INC5 Filed as: FMLASOURCE, INC. | 455 NORTH CITYFRONT PLAZA DRIVE 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $81K | $81K | 2.88% |
| OPTAVISE, LLC5 Filed as: OPTAVISE LLC | 11825 NORTH PENN STREET CARMEL, IN 46032 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $80K | $80K | 2.86% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | DELTA DENTAL OF KENTUCKY | $32K | $0 | $32K | 3.02% |
| DIRECTPATH, LLC3 Filed as: DIRECT PATH LLC | UNKNOWN LOUISVILLE, KY 40299 | COMBINED INSURANCE COMPANY OF AMERICA | $135K | $0 | $135K | 48.61% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, IL 23466 | VISION SERVICE PLAN | $16K | $0 | $16K | 8.37% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, IL 23466 | MUTUAL OF OMAHA INSURANCE COMPANY | $7K | $5K | $12K | 24.82% |
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 | 4,818 | 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) | 4,818 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 4,374 | $1.1M |
| Vision | VISION SERVICE PLAN | 2,379 | $197K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,818 | $2.8M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,818 | $2.8M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,818 | $2.8M |
| Prescription drug | CAPITAL RX, INC. | 4,818 | $297K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,818 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,818 | — |
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.