| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF MIDWEST | 511 5TH ST DEFIANCE, OH 43512 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $27K | $8K | $35K | 16.37% |
| RSC INSURANCE BROKERAGE INC3 | 4555 LAKE FOREST DRIVE SUITE 510 BLUE ASH, OH 45242 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 2.48% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF MIDWEST | 511 5TH ST DEFIANCE, OH 43512 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $6K | $26K | 16.45% |
| RSC INSURANCE BROKERAGE INC3 | 4555 LAKE FOREST DRIVE SUITE 510 BLUE ASH, OH 45242 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 2.42% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF MIDWEST | 511 5TH ST DEFIANCE, OH 43512 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $5K | $10K | 7.59% |
| RSC INSURANCE BROKERAGE INC3 | 4555 LAKE FOREST DRIVE SUITE 510 BLUE ASH, OH 45242 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $707 | — | $707 | 0.55% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 511 FIFTH STREET DEFIANCE, OH 43512 | PROVIDENT LIFE & ACCIDENT INSURANCE CO | $8K | — | $8K | 11.73% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 511 FIFTH ST DEFIANCE, OH 43512 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $701 | — | $701 | 20.01% |
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 | 800 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 810 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 873 | $287K |
| Short-term disability | PROVIDENT LIFE & ACCIDENT INSURANCE CO | 38 | $69K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 873 | $216K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 873 | $290K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 873 | — |
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.