| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH K HALEY3 Filed as: JOSEPH K. HALEY | 812 N. WASHINGTON AVE. PARK RIDGE, IL 60068 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 7.61% |
| ALTERITY BROKER SOLUTIONS3 Filed as: ALTERITY BROKER SOLUTIONS INC. | 8201 N. HAYDEN RD. SCOTTSDALE, AZ 85258 | UNITED OF OMAHA LIFE INSURANCE CO. | $5K | $3K | $8K | 23.81% |
| ALTERITY BROKER SOLUTIONS5 Filed as: ALTERITY BROKER SOLUTIONS INC. | 8201 N. HAYDEN RD. SCOTTSDALE, AZ 85258 | UNITED OF OMAHA LIFE INSURANCE CO. | $0 | $156 | $156 | 0.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 S. CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE CO. | $0 | $102 | $102 | 0.32% |
| ALTERITY BROKER SOLUTIONS3 Filed as: ALTERITY BROKER SOLUTIONS INC. | 8201 N. HAYDEN RD. SCOTTSDALE, AZ 85258 | UNITED OF OMAHA LIFE INSURANCE CO. | $4K | $3K | $7K | 23.83% |
| ALTERITY BROKER SOLUTIONS5 Filed as: ALTERITY BROKER SOLUTIONS INC. | 8201 N. HAYDEN RD. SCOTTSDALE, AZ 85258 | UNITED OF OMAHA LIFE INSURANCE CO. | $0 | $144 | $144 | 0.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 S. CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE CO. | $0 | $95 | $95 | 0.32% |
| ALTERITY BROKER SOLUTIONS3 Filed as: ALTERITY BROKER SOLUTIONS INC. | 8201 N. HAYDEN RD. SCOTTSDALE, AZ 85258 | UNITED OF OMAHA LIFE INSURANCE CO. | $2K | $1K | $4K | 23.88% |
| ALTERITY BROKER SOLUTIONS5 Filed as: ALTERITY BROKER SOLUTIONS INC. | 8201 N. HAYDEN RD. SCOTTSDALE, AZ 85258 | UNITED OF OMAHA LIFE INSURANCE CO. | $0 | $76 | $76 | 0.48% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 S. CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE CO. | $0 | $52 | $52 | 0.33% |
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 | 96 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 96 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE | 77 | $252K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 96 | $56K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 96 | $56K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE CO. | 96 | $16K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE CO. | 96 | $30K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE CO. | 96 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 96 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.