| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $9K | $923 | $10K | 5.11% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP INC. | PO BOX 117163 ATLANTA, GA 30368 | STANDARD INSURANCE COMPANY | $0 | $3K | $3K | 1.43% |
| MWAGIA INC3 Filed as: MWAGIA, INC. | 1701 FIRST AVENUE ROCK ISLAND, IL 61201 | STANDARD INSURANCE COMPANY | $909 | $0 | $909 | 0.46% |
| OCI INSURANCE & FINANCIAL SERVICES3 Filed as: OCI INS. & FINANCIAL SVCS., INC. | 4221 NORTH 203RD STREET, SUITE 200 ELKHORN, NE 68022 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $7K | $25K | 14.99% |
| BENAFICA3 | 6701 UPPER AFTON ROAD SAINT PAUL, MN 55125 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.17% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $49K | $0 | $49K | 65.00% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP INC. | PO BOX 117163 ATLANTA, GA 30368 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 2.64% |
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 | 1,104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 332 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,436 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 332 | $1.5M |
| Vision | STANDARD INSURANCE COMPANY | 651 | $196K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 651 | $366K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 651 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.