| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC - BROWE | 409 E. MONUMENT AVE STE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $323 | $323 | 3.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC - BROWE | 409 E. MONUMENT AVE STE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $287 | — | $287 | 3.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC - BROWE | 409 E. MONUMENT AVE STE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURAHCE COMPANY | — | $464 | $464 | 5.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC - BROWE | 409 E. MONUMENT AVE STE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURAHCE COMPANY | $433 | — | $433 | 5.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E. MONUMENT AVE STE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $673 | — | $673 | 9.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E. MONUMENT AVE STE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $391 | $391 | 5.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC - BROWE | 409 E. MONUMENT AVE STE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURAHCE COMPANY | $311 | — | $311 | 8.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC - BROWE | 409 E. MONUMENT AVE STE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURAHCE COMPANY | — | $205 | $205 | 5.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC - BROWE | 409 E. MONUMENT AVE STE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $150 | — | $150 | 14.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC - BROWE | 409 E. MONUMENT AVE STE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $61 | $61 | 6.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDICAL MUTUAL EIN 34-1922587 | Claims processing Service code 12 | — | $0 |
| UNITED OF OMAHA LIFE INSURANCE CO EIN 47-0322111 | Claims processing Service code 12 | — | $0 |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 0 | $8K |
| Life insurance | UNITED OF OMAHA LIFE INSURAHCE COMPANY | 0 | $4K |
| Short-term disability | UNITED OF OMAHA LIFE INSURAHCE COMPANY | 0 | $8K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 0 | $1K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 0 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.