| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERIC M SILVERMAN3 Filed as: ERIC SILVERMAN | 1423 MARTIN MEADOWS DR FALLSTON, MD 21047 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $204 | $6K | 8.67% |
| E POWERED BENEFITS LLC3 | 19109 W. CATAWBA AVE CORNELIUS, NC 28031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 3.60% |
| NATIONAL BENEFIT PARTNER WEST LLC3 | 99 WOOD AVE. ISELIN, NJ 08830 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.00% |
| ERIC M SILVERMAN3 Filed as: ERIC SILVERMAN | 1423 MARTIN MEADOWSDR. FALLSTON, MD 21047 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $337 | $10K | 18.11% |
| E POWERED BENEFITS LLC3 | 19109 W. CATAWBA AVE CORNELIUS, NC 28031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 7.50% |
| NATIONAL BENEFIT PARTNER WEST LLC3 | 99 WOOD AVE S. ISELIN, NJ 08830 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.00% |
| ERIC M SILVERMAN3 Filed as: ERIC SILVERMAN | 1423 MARTIN MEADOWS DR FALLSTON, MD 21047 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $289 | $9K | 18.08% |
| E POWERED BENEFITS LLC3 | 19109 W. CATAWBA AVE CORNELIUS, NC 28031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 7.50% |
| NATIONAL BENEFIT PARTNER WEST LLC3 | 99 WOOD AVE. ISELIN, NJ 08830 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $993 | $993 | 2.00% |
| ERIC M SILVERMAN3 Filed as: ERIC SILVERMAN | 1423 MARTIN MEADOWS DR. FALLSTON, MD 21047 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $185 | $6K | 18.05% |
| E POWERED BENEFITS LLC3 | 19109 W. CATAWBA AVE CORNELIUS, NC 28031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 7.50% |
| NATIONAL BENEFIT PARTNER WEST LLC3 | 99 WOOD AVE. ISELIN, NJ 08830 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $671 | $671 | 2.00% |
| ERIC M SILVERMAN3 Filed as: ERIC SILVERMAN | 1423 MARTIN MEADOWS DR. FALLSTON, MD 21047 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $137 | $4K | 18.14% |
| E POWERED BENEFITS LLC3 | 19109 W. CATAWBA AVE CORNELIUS, NC 28031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.50% |
| NATIONAL BENEFIT PARTNER WEST LLC3 | 99 WOOD AVE. ISELIN, NJ 08830 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $426 | $426 | 2.00% |
| ERIC M SILVERMAN3 Filed as: ERIC SILVERMAN | 1423 MARTIN MEADOWS AVE FALLSTON, MD 21047 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $88 | $3K | 18.08% |
| E POWERED BENEFITS LLC3 Filed as: E. POWERED BENEFITS LLC | 19109 W. CATAWBA AVE. CORNELIUS, NC 28031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 7.50% |
| NATIONAL BENEFIT PARTNER WEST LLC3 | 99 WOOD AVE. ISELIN, NJ 08830 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $303 | $303 | 2.00% |
| ERIC M SILVERMAN3 Filed as: ERIC SILVERMAN | 1423 MARTIN MEADOWS FALLSTON, MD 21047 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $75 | $2K | 18.06% |
| E POWERED BENEFITS LLC3 | 19109 W. CATAWBA AVE., SUITE 200 CORNELIUS, NC 28031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 7.50% |
| NATIONAL BENEFIT PARTNER WEST LLC3 | 99 WOOD AVE. ESELIN, NJ 08830 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $271 | $271 | 2.00% |
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 | 202 | 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) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 132 | $75K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 124 | $14K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $55K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $89K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 50 | $50K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 99 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.