| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG INC | 111 E DECATUR ST DECATUR, IL 62521 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | — | $18K | 7.00% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG INC | PO BOX 678 DECATUR, IL 62525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $8K | $8K | 3.16% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG INC | 111 DECATUR ST DECATUR, IL 62521 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | — | $13K | 15.00% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG INC | PO BOX 678 DECATUR, IL 62525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 5.92% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG INC | 111 E DECATUR ST DECATUR, IL 62521 | MUTUAL OF OMAHA | $7K | — | $7K | 15.00% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG INC | PO BOX 678 DECATUR, IL 62525 | MUTUAL OF OMAHA | — | $3K | $3K | 5.66% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG INC | 111 E DECATUR ST DECATUR, IL 62525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG INC | PO BOX 678 DECATUR, IL 62521 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.83% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG INSURANCE SERVICES | 2828 N. MONROE ST DECATUR, IL 62526 | VISION SERVICE PLAN | $2K | — | $2K | 5.50% |
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 | 482 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 482 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | IRONSHORE INDEMNITY, INC | 405 | $625K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 305 | $250K |
| Vision | VISION SERVICE PLAN | 337 | $31K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 482 | $135K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 482 | $34K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 482 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 482 | — |
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.