| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREFERRED BENEFITS SERVICES AGENCY3 Filed as: PREFERRED BENEFIT SVCS AGENCY, INC. | PO BOX 868 DELAWARE, OH 43015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $5K | $15K | 20.71% |
| PREFERRED BENEFITS SERVICES AGENCY3 Filed as: PREFERRED BENEFIT SVCS AGENCY, INC. | PO BOX 868 DELAWARE, OH 43015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.86% |
| PREFERRED BENEFITS SERVICES AGENCY3 Filed as: PREFERRED BENEFIT SVCS AGENCY, INC. | PO BOX 868 DELAWARE, OH 43015 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $92 | $2K | 5.99% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 6TH AVENUE, 30TH FLOOR PITTSBURGH, PA 15222 | PRINCIPAL LIFE INSURANCE COMPANY | $311 | $0 | $311 | 1.10% |
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 | 164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 28 | $32K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 106 | $28K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 106 | $28K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 171 | $72K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 171 | $72K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 171 | $72K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 171 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.