| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY W TROUPE3 | 147 S ALPINE DRIVE YORK, PA 17408 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 12.71% |
| BECKER BENEFIT GROUP INC3 | 11000 OWNINGS MILLS BLVD SUITE 6A OWINGS MILLS, MD 21117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 9.35% |
| SILVERMAN, MEGAN R3 Filed as: SILVERMAN BENEFITS GROUP | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $735 | — | $735 | 0.96% |
| NATIONAL BENEFIT PARTNER WEST LLC3 | 23282 MILL CREEK DRIVE SUITE 390 LAGUNA HILLS, CA 92653 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $294 | $294 | 0.39% |
| GROUP BENEFIT SERVICES INC3 | 6 N PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | -$2K | — | -$2K | -3.02% |
| GREGORY W TROUPE3 | 147 S ALPINE DRIVE YORK, PA 17408 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 12.88% |
| BECKER BENEFIT GROUP INC3 | 11000 OWINGS MILLS BLVD SUITE 6A OWINGS MILLS, MD 21117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 9.33% |
| SILVERMAN, MEGAN R3 Filed as: SILVERMAN BENEFITS GROUP | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $480 | — | $480 | 0.95% |
| NATIONAL BENEFIT PARTNER WEST LLC3 | 23282 MILL CREEK DRIVE SUITE 390 LAGUNA HILLS, CA 92653 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $192 | $192 | 0.38% |
| GROUP BENEFIT SERVICES INC3 | 6 N PARK DRIVE SUITE 310 HUNT VALLEY, MD 210301821 | UNITED OF OMAHA LIFE INSURANCE COMPANY | -$2K | — | -$2K | -3.16% |
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 | 99 | 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) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 96 | $76K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 45 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 96 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.