| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS LLC | 23825 COMMERCE PARK BEACHWOOD, OH 441225837 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 5.01% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.01% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. DBA ARMS | 96 GREENTREE RD STE 110 PITTSBURGH, PA 152240004 | PRINCIPAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.30% |
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS LLC | 23825 COMMERCE PARK BEACHWOOD, OH 441225837 | UNITED OF OHMAHA LIFE INS. CO. | $10K | — | $10K | 14.82% |
| UNITED OF OMAHA LIFE INSURANCE CO5 Filed as: UNITED OF OHMAHA LIFE INS. CO. | — | UNITED OF OHMAHA LIFE INS. CO. | — | $5K | $5K | 8.18% |
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 | 213 | 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) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 174 | $107K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 174 | $107K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 174 | $171K |
| Short-term disability | UNITED OF OHMAHA LIFE INS. CO. | 110 | $65K |
| Long-term disability | UNITED OF OHMAHA LIFE INS. CO. | 110 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.