| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SOUTHEAST PLANNING ASSOC. INC.3 Filed as: SOUTHEAST PLANNING ASSOCIATES, INC. | 5 DEPOT ST ATHENS, OH 45701 | DELTA DENTAL OF OHIO | $11K | — | $11K | 7.35% |
| SOUTHEAST PLANNING ASSOC. INC.3 | 5 DEPOT ST ATHENS, OH 45701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $2K | $10K | 12.52% |
| SOUTHEAST PLANNING ASSOC. INC.3 | 5 DEPOT ST ATHENS, OH 45701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $6K | 10.09% |
| SOUTHEAST PLANNING ASSOC. INC.3 | 5 DEPOT ST ATHENS, OH 45701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 12.16% |
| SOUTHEAST PLANNING ASSOC. INC.3 Filed as: SOUTHEAST PLANNING ASSOCIATES INC. | 5 DEPOT ST ATHENS, OH 45701 | VISION SERVICE PLAN | $1K | — | $1K | 4.36% |
| SOUTHEAST PLANNING ASSOC. INC.3 | 5 DEPOT ST ATHENS, OH 45701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $766 | $4K | 12.45% |
| SOUTHEAST PLANNING ASSOC. INC.3 | 5 DEPOT ST ATHENS, OH 45701 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $520 | — | $520 | 15.02% |
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 | 321 | 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) | 321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 528 | $144K |
| Vision | VISION SERVICE PLAN | 254 | $34K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 321 | $30K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 321 | $55K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 187 | $44K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 321 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 528 | — |
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.