| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WEB BENEFITS DESIGN CORPORATION5 | PO BOX 1568 WINDERMERE, FL 34786 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $85K | $85K | 2.50% |
| INSURANCE OFFICE OF AMERICA0 Filed as: INSURANCE OFFICE OF AMERICA INC. | 100 GALLERIA PARKWAY SE, SUITE 600 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $24K | $0 | $24K | 0.70% |
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 | 4,321 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,922 | $310K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 6,563 | $3.4M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 6,563 | $3.4M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 6,563 | $3.4M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 6,563 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,563 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.