| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH K HALEY | PO BOX 300891 CHICAGO, IL 60630 | STARMOUNT LIFE INSURANCE COMPANY | $4K | — | $4K | 10.39% |
| NFP INSURANCE SERVICES INC Filed as: NFP CORPORATE SERVICES INC. | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $6K | 14.81% |
| ALTERITY BROKER SOLUTIONS Filed as: ALTERITY BROKER SOUTIONS INC | 8777 N GAINEY CENTER DR SUITE 260 SCOTTSDALE, AZ 85258 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.19% |
| NFP INSURANCE SERVICES INC Filed as: NFP INSURANCE SERVICES INC. | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $460 | $460 | 1.22% |
| NFP INSURANCE SERVICES INC Filed as: NFP CORPORATE SERVICES | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $980 | $2K | 14.93% |
| ALTERITY BROKER SOLUTIONS Filed as: ALTERITY BROKER SOUTIONS INC | 8777 N GAINEY CENTER DR STE 260 SCOTTSDALE, AZ 85258 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $992 | $992 | 6.07% |
| NFP INSURANCE SERVICES INC Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $199 | $199 | 1.22% |
| NFP INSURANCE SERVICES INC Filed as: NFP CORPORATE SERVICES | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | — |
| ALTERITY BROKER SOLUTIONS Filed as: ALTERITY BROKER SOLUTIONS INC | 8777 N GAINEY CENTER DR STE 260 SCOTTSDALE, AZ 85258 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | — |
| NFP INSURANCE SERVICES INC Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $421 | $421 | — |
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 | 108 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE | 74 | $288K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 109 | $42K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 109 | $42K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 107 | $16K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 107 | $0 |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 107 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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."
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.