| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FORUM BENEFITS INC3 Filed as: FORUM BENEFITS LLC | 1122 S MAIN ST SUITE B GREENVILLE, SC 29601 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $34K | $0 | $34K | 13.92% |
| FORUM BENEFITS INC3 | 1122 S MAIN ST GREENVILLE, SC 269013339 | AMERITAS LIFE INSURANCE CORP | $6K | $0 | $6K | 10.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | AMERITAS LIFE INSURANCE CORP | $0 | $1K | $1K | 1.97% |
| FORUM BENEFITS INC3 Filed as: FORUM BENEFITS LLC | 1122 S MAIN ST SUITE B GREENVILLE, SC 269013339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| FORUM BENEFITS INC3 | 1122 S MAIN ST SUITE B GREENVILLE, SC 29601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $690 | $690 | 3.76% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $591 | $591 | 3.22% |
| FORUM BENEFITS INC3 Filed as: FORUM BENEFITS LLC | 1122 S MAIN ST SUITE B GREENVILLE, SC 269013339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| FORUM BENEFITS INC3 | 1122 S MAIN ST SUITE B GREENVILLE, SC 29601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $862 | $862 | 4.75% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $739 | $739 | 4.07% |
| FORUM BENEFITS INC3 Filed as: FORUM BENEFITS LLC | 1122 S MAIN ST SUITE B GREENVILLE, SC 269013339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| FORUM BENEFITS INC3 | 1122 S MAIN ST SUITE B GREENVILLE, SC 29601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $414 | $414 | 3.53% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $355 | $355 | 3.03% |
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 | 126 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 97 | $241K |
| Dental | AMERITAS LIFE INSURANCE CORP | 165 | $62K |
| Vision | AMERITAS LIFE INSURANCE CORP | 165 | $62K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $12K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 41 | $18K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 35 | $18K |
| Other(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP | 165 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.