| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC | 580 N 4TH ST, STE 400 COLUMBUS, OH 432152153 | UNITED HEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 3.00% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 580 N 4TH ST, STE 400 COLUMBUS, OH 432152153 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $747 | $5K | 11.50% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 1018 W 9TH AVE KING OF PRUSSIA, PA 194061225 | METROPOLITAN LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| BSP GROUP BENEFITS INC3 | 206 S JEFFERSON ST, STE 200 CHICAGO, IL 606615603 | METROPOLITAN LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES OF O | 580 N 4TH ST, STE 400 COLUMBUS, OH 432152153 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $835 | $3K | 13.48% |
| CENTERSTONE INSURANCE AND FINANCIAL4 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 1133 WESTCHESTER AVE, SUITE S229 WHITE PLAINS, NY 106043512 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $597 | $597 | 2.49% |
| WELLS FARGO INSURANCE SERVICES4 Filed as: WELLS FARGO INSURANCE SERVICES USA | PO BOX 203417 DALLAS, TX 753203417 | VSP VISION SERVICE PLAN | $1K | — | $1K | 5.80% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES OF O | 580 N 4TH ST, STE 400 COLUMBUS, OH 432152153 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $760 | $228 | $988 | 12.99% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 1133 WESTCHESTER AVE, SUITE S229 WHITE PLAINS, NY 106043512 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $193 | $193 | 2.54% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES OF O | 580 N 4TH ST, STE 400 COLUMBUS, OH 432152153 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $503 | $104 | $607 | 18.10% |
| CENTERSTONE INSURANCE AND FINANCIAL4 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 1133 WESTCHESTER AVE, SUITE S229 WHITE PLAINS, NY 106043512 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $83 | $83 | 2.47% |
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 | 214 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 27 | $211K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 308 | $45K |
| Vision | VSP VISION SERVICE PLAN | 214 | $18K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 308 | $53K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 22 | $3K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 224 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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.