| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TEAGUE INSURANCE AGENCY, INC.3 Filed as: TEAGUE FINANCIAL INSURANCE SERVICES | 4710 4TH STREET LA MESA, MA 91941 | AETNA HEALTH, INC. | $61K | — | $61K | 4.92% |
| TEAGUE INSURANCE AGENCY, INC.3 | 4710 4TH STREET LA MESA, MA 91941 | SIMNSA | $28K | — | $28K | 7.00% |
| TEAGUE INSURANCE AGENCY, INC.3 Filed as: TEAGUE FINANCIAL INSURANCE SERVICES | 4710 4TH STREET LA MESA, MA 91941 | AETNA LIFE INSURANCE COMPANY | $14K | — | $14K | 6.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 80 WEST PLAZA SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE COMPANY | — | $2K | $2K | 0.69% |
| TEAGUE INSURANCE AGENCY, INC.3 Filed as: TEAGUE FINANCIAL INSURANCE SERVICES | 4710 4TH STREET LA MESA, MA 91941 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| ENHANCED BENEFITS INS SOLUTIONS3 Filed as: ENHANCED BENEFITS | 9625 MISSION GORGE ROAD SANTEE, CA 92071 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 12.00% |
| TEAGUE INSURANCE AGENCY, INC.3 Filed as: TEAGUE FINANCIAL INSURANCE SERVICES | 4710 4TH STREET LA MESA, MA 91941 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 8.00% |
| ENHANCED BENEFITS INS SOLUTIONS3 Filed as: ENHANCED BENEFITS | 9625 MISSION GORGE ROAD SANTEE, CA 92071 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 12.00% |
| TEAGUE INSURANCE AGENCY, INC.3 Filed as: TEAGUE FINANCIAL INSURANCE SERVICES | 4710 4TH STREET LA MESA, MA 91941 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $980 | — | $980 | 8.00% |
| TEAGUE INSURANCE AGENCY, INC.3 Filed as: TEAGUE FINANCIAL INSURANCE SERVICES | 4710 4TH STREET LA MESA, MA 91941 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| TEAGUE INSURANCE AGENCY, INC.3 Filed as: TEAGUE FINANCIAL INSURANCE SERVICES | 4710 4TH STREET LA MESA, MA 91941 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $468 | — | $468 | 15.00% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC | 1 N WHITE HORSE PIKE HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 1.35% |
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 | 177 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA HEALTH, INC. | 191 | $1.9M |
| Dental(2 contracts, 2 carriers) | SIMNSA | 191 | $622K |
| Vision | AETNA LIFE INSURANCE COMPANY | 191 | $219K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 177 | $35K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 38 | $7K |
| Prescription drug(3 contracts, 3 carriers) | AETNA HEALTH, INC. | 191 | $1.9M |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 177 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.