| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYER ADVOCATES LLC3 | 100 PARK AVE SUITE 700 OKLAHOMA CITY, OK 73102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $7K | 11.25% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.60% |
| SUMMIT FINANCIAL GROUP INC.3 | 211 N ROBINSON AVE SUITE 1490 OKLAHOMA CITY, OK 73102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.95% |
| EMPLOYER ADVOCATES LLC3 | 100 PARK AVE SUITE 700 OKLAHOMA CITY, OH 73102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 11.22% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.06% |
| SUMMIT FINANCIAL GROUP INC.3 | 211 N ROBINSON AVE SUITE 1490 OKLAHOMA CITY, OK 73102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.35% |
| EMPLOYER ADVOCATES LLC3 | 100 PARK AVE SUITE 700 OKLAHOMA CITY, OK 73102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 11.43% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $974 | $974 | 3.29% |
| SUMMIT FINANCIAL GROUP INC.3 | 211 N ROBINSON AVE SUITE 1490 OKLAHOMA CITY, OK 73102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $714 | $0 | $714 | 2.41% |
| EMPLOYER ADVOCATES LLC3 | 100 PARK AVE SUITE 700 OKLAHOMA CITY, OK 73102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 11.82% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.83% |
| SUMMIT FINANCIAL GROUP INC.3 | 211 N ROBINSON AVE SUITE 1490 OKLAHOMA CITY, OK 73102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $754 | $0 | $754 | 2.64% |
| EMPLOYER ADVOCATES LLC3 Filed as: EMPLOYER ADVOCATES | PO BOX 269031 OKLAHOMA CITY, OK 73112 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.40% |
| SUMMIT FINANCIAL GROUP INC.3 | 211 N ROBINSON AVE SUITE 1490 OKLAHOMA CITY, OK 731027135 | VISION SERVICE PLAN | $327 | $0 | $327 | 1.57% |
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 | 219 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 99 | $21K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 257 | $84K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 226 | $66K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 218 | $30K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 257 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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.