| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG INC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $3K | $17K | 8.30% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG INC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $5K | $17K | 20.50% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG INC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $9K | 19.91% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG INC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $6K | 20.13% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG INSURANCE SERVICES | 2828 N MONROE ST DECATUR, IL 62526 | VISION SERVICE PLAN | $1K | — | $1K | 4.67% |
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 | 441 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 441 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | IRONSHORE INDEMNITY INC. | 379 | $487K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 267 | $208K |
| Vision | VISION SERVICE PLAN | 279 | $25K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 441 | $125K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 442 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 442 | — |
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.