| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST NATIONAL INS AGENCY3 Filed as: FIRST NATIONAL INS AGENCY, LLC | PO BOX 6369 HERMITAGE, PA 16148 | COMMUNITY INSURANCE COMPANY | $24K | $0 | $24K | 1.97% |
| BROKERNET INC3 Filed as: BROKERNET, INC. | 5455 RINGS ROAD COLUMBUS, OH 43017 | COMMUNITY INSURANCE COMPANY | $0 | $12K | $12K | 0.96% |
| FIRST NATIONAL INS AGENCY3 Filed as: FIRST NATIONAL INS AGENCY, LLC | 626 WASHINGTON PLACE PITTSBURGH, PA 15219 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $28K | $0 | $28K | 9.08% |
| SURETY HR, INC.5 | 28608 RANNEY PARKWAY WESTLAKE, OH 44145 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $17K | $17K | 5.61% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST, SUITE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $15K | $15K | 5.00% |
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 | 476 | 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) | 476 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 154 | $1.2M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 476 | $305K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 476 | $305K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 476 | $305K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 476 | $305K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 476 | $305K |
| Prescription drug | COMMUNITY INSURANCE COMPANY | 154 | $1.2M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 476 | $305K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 476 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.