| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $5K | $6K | 8.65% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 4.83% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.57% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $3K | $4K | 9.10% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $579 | $2K | $3K | 8.66% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 7.70% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $767 | $2K | $3K | 8.90% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 8.81% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS. SERVICES LLC | 333 BRIDGE STREET NW SUITE 400 GRAND RAPIDS, MI 49504 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 5.35% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS. SERVICES LLC | 333 BRIDGE STREET NW SUITE 400 GRAND RAPIDS, MI 49504 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 9.17% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS. SERVICES LLC | 333 BRIDGE STREET NW SUITE 400 GRAND RAPIDS, MI 49504 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $495 | — | $495 | 5.32% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS. SERVICES LLC | 333 BRIDGE STREET NW SUITE 400 GARND RAPIDS, MI 49504 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $610 | — | $610 | 10.50% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS. SERVICES LLC | 333 BRIDGE STREET NW SUITE 400 GRAND RAPIDS, MI 49504 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | — | $36 | 4.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS. SERVICES LLC | 333 BRIDGE STREET NW SUITE 400 GRAND RAPIDS, MI 49504 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | — | $30 | 4.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 CLAIMS ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $146K |
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 | 205 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 205 | $76K |
| Short-term disability(7 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $119K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 205 | $67K |
| Other(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 46 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.