| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BCI INSURANCE SOLUTIONS, INC.3 Filed as: BCI INSURANCE SOLUTIONS, INC | 800 GESSNER RD STE 300 HOUSTON, TX 77024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 6.57% |
| BCI INSURANCE SOLUTIONS, INC.3 Filed as: BCI INSURANCE SOLUTIONS, INC | 800 GESSNER RD STE 300 HOUSTON, TX 77024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $2K | $16K | 23.50% |
| BCI INSURANCE SOLUTIONS, INC.3 Filed as: BCI INSURANCE SOLUTIONS, INC | 800 GESSNER RD STE 300 HOUSTON, TX 77024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 8.39% |
| BCI INSURANCE SOLUTIONS, INC.3 Filed as: BCI INSURANCE SOLUTIONS, INC | 800 GESSNER RD STE 300 HOUSTON, TX 77024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 18.25% |
| BCI INSURANCE SOLUTIONS, INC.3 Filed as: BCI INSURANCE SOLUTIONS, INC | 800 GESSNER RD STE 300 HOUSTON, TX 77024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $469 | $2K | 13.32% |
| BCI INSURANCE SOLUTIONS, INC.3 Filed as: BCI INSURANCE SOLUTIONS, INC | 800 GESSNER RD STE 300 HOUSTON, TX 77024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $519 | — | $519 | 8.24% |
| OPTAVISE, LLC3 | 120 18TH ST S., STE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $41 | — | $41 | 0.65% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC HOUSTON | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24 | — | $24 | 0.38% |
| OPTAVISE, LLC3 | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $217 | — | $217 | 3.67% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC. HOUSTON | PO BOX 61187 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $93 | — | $93 | 1.57% |
| BCI INSURANCE SOLUTIONS, INC.3 | 800 GESSNER RD STE 300 HOUSTON, TX 77024 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $77 | — | $77 | 1.30% |
| BCI INSURANCE SOLUTIONS, INC.3 Filed as: BCI INSURANCE SOLUTIONS, INC | 800 GESSNER RD STE 300 HOUSTON, TX 77024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $189 | $132 | $321 | 8.48% |
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 | 165 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $82K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $14K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 165 | $78K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 100 | $32K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 165 | $33K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 165 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.