| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNITED OF OMAHA LIFE | $32K | — | $32K | 10.08% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | DC METRO OPCO VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE | $16K | $729 | $16K | 5.15% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES | POST OFFICE BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE | $0 | $9K | $9K | 2.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNITED OF OMAHA LIFE | $27K | — | $27K | 8.74% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | DC METRO OPCO VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE | $20K | $729 | $20K | 6.49% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE | $0 | $9K | $9K | 2.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNITED OF OMAHA LIFE | $22K | — | $22K | 10.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | DC METRO OPCO VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE | $11K | — | $11K | 4.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNITED OF OMAHA LIFE | $19K | — | $19K | 10.08% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | DC METRO OPCO VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE | $9K | — | $9K | 4.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNITED OF OMAHA LIFE | $10K | — | $10K | 6.64% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | DC METRO OPCO VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE | $5K | — | $5K | 3.36% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED OF OMAHA EIN 47-0322111 ADMINISTRATOR - STD | Claims processing Service code 12 | — | $50K |
| UNITED OF OMAHA LIFE EIN 47-0322111 ADMINISTRATOR - STD | Claims processing Service code 12 | — | $16K |
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 | 1,252 | 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) | 1,252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts) | UNITED OF OMAHA LIFE | 1,252 | $814K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE | 554 | $530K |
| Other(4 contracts) | UNITED OF OMAHA LIFE | 1,252 | $967K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,252 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.