| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | $0 | $9K | 3.16% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC | 45 EXECUTIVE DR PLAINVIEW, NY 11803 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $5K | $11K | 6.65% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 WEST LAKE, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.30% |
| FMLASOURCE INC5 | 455 N CITYFRONT PLAZA DR 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $9K | $9K | 10.79% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC | 45 EXECUTIVE DR PLAINVIEW, NY 11803 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $7K | 8.89% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.44% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC | — | HM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.00% |
| MEGAREINS INC3 | — | HM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.00% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC. | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2 | $1K | $1K | 4.90% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC | — | HM LIFE INSURANCE COMPANY | $267 | $0 | $267 | 3.00% |
| MEGAREINS INC3 Filed as: MEGAREINS, INC. | — | HM LIFE INSURANCE COMPANY | $267 | $0 | $267 | 3.00% |
| UNITED OF OMAHA LIFE INSURANCE CO5 Filed as: UNITED OF OMAHA LIFE INSURANCE | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $9K | $9K | — |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $303 | $303 | — |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY SUITE 600 WEST LAKE HILLS, TX 787466446 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $126 | $126 | — |
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 | 544 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 33 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 589 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 495 | $320K |
| Vision(2 contracts) | HM LIFE INSURANCE COMPANY | 1,131 | $46K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 548 | $161K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 453 | $0 |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 545 | $84K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 548 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,131 | — |
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.