| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOTAL BENEFIT SOLUTIONS3 Filed as: TOTAL BENEFIT SOLUTIONS LLC | 4133 MERCHANT DRIVE SUITE 4 NEWBURGH, IN 47630 | PARAMOUNT DENTAL | $9K | — | $9K | 7.50% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 3900 E CAMELBACK ROAD SUITE 225 PHOENIX, AZ 85018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $2K | $15K | 17.16% |
| STEELE INSURANCE5 Filed as: STEELE INS. & FINANCIAL SERVICES | 9020 CRAWFORDSVILLE ROAD INDIANAPOLIS, IN 46234 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 3.69% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | 571 MONLON BLVD SUITE 400 CARMEL, IN 46032 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $1K | $10K | 17.25% |
| STEELE INSURANCE5 Filed as: STEELE INS & FINANCIAL SERVICES INC | 9020 CRAWFORDSVILLE ROAD INDIANAPOLIS, IN 46234 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 5.61% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 3900 E CAMELBACK ROAD SUITE 225 PHOENIX, AZ 85018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $685 | $6K | 17.12% |
| STEELE INSURANCE5 Filed as: STEELE INS. & FINANCIAL SERVICES | 9020 CRAWFORDSVILLE ROAD INDIANAPOLIS, IN 46234 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 9.71% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 3900 E CAMELBACK ROAD SUITE 225 PHOENIX, AZ 85018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $439 | $4K | 17.13% |
| STEELE INSURANCE5 Filed as: STEELE INS. & FINANCIAL SERVICES | 9020 CRAWFORDSVILLE ROAD INDIANAPOLIS, IN 46234 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 15.23% |
| STEELE INSURANCE5 Filed as: STEELE INS. & FINANCIAL SERVICES | 9020 CRAWFORDSVILLE ROAD INDIANAPOLIS, IN 46234 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $262 | $262 | 15.90% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 571 MONLON BLVD SUITE 400 CARMEL, IN 46032 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $247 | — | $247 | 14.99% |
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 | 357 | 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) | 357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PARAMOUNT DENTAL | 273 | $124K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 357 | $53K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 228 | $85K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 160 | $58K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 357 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 357 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.