| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $35K | $9K | $44K | 15.65% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 115 N EL MOLINO AVE PASADENA, CA 91101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 2.48% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $7K | $25K | 23.04% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 115 N EL MOLINO AVE PASADENA, CA 91101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 3.34% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $3K | $12K | 22.89% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 115 N EL MOLINO AVE PASADENA, CA 91101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.40% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $8K | 19.42% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 115 N EL MOLINO AVE PASADENA, CA 91101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.40% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 18.83% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 115 N EL MOLINO AVE PASADENA, CA 91101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $654 | — | $654 | 2.53% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 19.01% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 115 N EL MOLINO AVE PASADENA, CA 91101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $450 | — | $450 | 2.51% |
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 | 559 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 560 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 376 | $279K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 334 | $43K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 189 | $109K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 60 | $54K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 189 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 376 | — |
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.