| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAPITAL GROUP BENEFITS LLC3 Filed as: CAPITAL GROUP BENEFITS & FINANCIAL | 7001 HERITAGE VILLAGE PLAZA STE 100 GAINESVILLE, VA 20155 | UNITED HEALTHCARE INSURANCE COMPANY | $7K | $45K | $52K | 4.82% |
| CAPITAL GROUP BENEFITS LLC3 Filed as: CAPITAL GROUP BENEFIT AND FIN SVCS | 7001 HERITAGE VILLAHE PLAZA STE 100 GAINESVILLE, VA 20155 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 10.50% |
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 | 144 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 286 | $1.1M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 286 | $1.1M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 286 | $1.1M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $106K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $106K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $106K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 286 | $1.1M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.