| 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 | $7K | $4K | $11K | 10.85% |
| STEVEN J HEILIGENSTEIN3 Filed as: STEVEN J. HEILIGENSTEIN | 22219 HUGO ROAD CENTRALIA, IL 62801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.79% |
| HOWARD DANZIG3 | 11704 LACKLAND INDUSTRIAL DRIVE ST. LOUIS, MO 63146 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $777 | $0 | $777 | 4.82% |
| BENEFITS INC3 Filed as: BENEFITS SERVICES LLC | PO BOX 124 CARLYLE, IL 62231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $198 | $0 | $198 | 1.23% |
| JESSICA HARRISON AGCY3 Filed as: JESSICA HARRISON AGENCY | 300 JARVIS COURT, SUITE 3 TROY, IL 62294 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $62 | $0 | $62 | 0.38% |
| DAWN NINNESS3 | 31 AUTUMN CIRCLE TROY, IL 62294 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $41 | $0 | $41 | 0.25% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $699 | $0 | $699 | 8.31% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $99K |
| Vision | VISION SERVICE PLAN | 80 | $8K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $116K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $99K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $99K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.