| 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 | $7K | — | $7K | 7.50% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 571 MONLON BLVD SUITE 400 CARMEL, IN 46032 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 13.73% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 4.58% |
| STEELE INSURANCE5 Filed as: STEELE INS. & FINANCIAL SERVICES | 9020 CRAWFORDSVILLE ROAD INDIANAPOLIS, IN 46234 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.25% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | 571 MONLON BLVD SUITE 400 CARMEL, IN 46032 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 13.76% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 4.59% |
| STEELE INSURANCE5 Filed as: STEELE INS & FINANCIAL SERVICES INC | 9020 CRAWFORDSVILLE ROAD INDIANAPOLIS, IN 46234 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 4.16% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 571 MONLON BLVD SUITE 400 CARMEL, IN 46032 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 13.81% |
| STEELE INSURANCE5 Filed as: STEELE INS. & FINANCIAL SERVICES | 9020 CRAWFORDSVILLE ROAD INDIANAPOLIS, IN 46234 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 7.93% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.60% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 571 MONLON BLVD SUITE 400 CARMEL, IN 46032 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 13.76% |
| STEELE INSURANCE5 Filed as: STEELE INS. & FINANCIAL SERVICES | 9020 CRAWFORDSVILLE ROAD INDIANAPOLIS, IN 46234 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 12.27% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $806 | $806 | 4.59% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | 571 MONLON BLVD SUITE 400 CARMEL, IN 46032 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 13.69% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $696 | $696 | 4.56% |
| STEELE INSURANCE3 Filed as: STEELE INS. & FINANCIAL SERVICES | 9020 CRAWFORDSVILLE ROAD INDIANAPOLIS, IN 46234 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $336 | $336 | 2.20% |
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 | 379 | 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) | 379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PARAMOUNT DENTAL | 379 | $93K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 305 | $46K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 169 | $77K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $57K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 305 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 379 | — |
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.