| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FORUM BENEFITS INC3 Filed as: FORUM BENEFITS | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $34K | $0 | $34K | 15.92% |
| FORUM BENEFITS INC3 Filed as: FORUM BENEFITS LLC | 1122 S MAIN ST GREENVILLE, SC 296013339 | AMERITAS LIFE INSURANCE CORP | $5K | $1K | $6K | 11.89% |
| FORUM BENEFITS INC3 Filed as: FORUM BENEFITS, INC | 1122 S MAIN ST STE B GREENVILLE, SC 29601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| FORUM BENEFITS INC3 Filed as: FORUM BENEFITS, INC | 1122 S MAIN ST STE B GREENVILLE, SC 29601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $907 | $907 | 4.41% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $605 | $605 | 2.94% |
| FORUM BENEFITS INC3 Filed as: FORUM BENEFITS LLC | 1122 S MAIN ST GREENVILLE, SC 296013339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| FORUM BENEFITS INC3 Filed as: FORUM BENEFITS LLC | 1122 S MAIN ST GREENVILLE, SC 29601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $581 | $581 | 4.13% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $388 | $388 | 2.76% |
| FORUM BENEFITS INC3 Filed as: FORUM BENEFITS, INC | 1122 S MAIN ST STE B GREENVILLE, SC 29601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $901 | $0 | $901 | 14.99% |
| FORUM BENEFITS INC3 Filed as: FORUM BENEFITS, INC | 1122 S MAIN ST STE B GREENVILLE, SC 29601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $258 | $258 | 4.29% |
| NATIONAL BENEFITS3 Filed as: NATIONAL BENEFITS, INC | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $172 | $172 | 2.86% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 92 | $213K |
| Dental | AMERITAS LIFE INSURANCE CORP | 167 | $54K |
| Vision | AMERITAS LIFE INSURANCE CORP | 167 | $54K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 136 | $6K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 46 | $14K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 51 | $21K |
| Other(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP | 167 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.