| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG INC | 111 EAST DECATUR STREET DECATUR, IL 62521 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $7K | $27K | 9.45% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG INC | 111 EAST DECATUR STREET DECATUR, IL 62521 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $5K | $19K | 20.03% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG INC | 111 EAST DECATUR STREET DECATUR, IL 62521 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $3K | $12K | 20.01% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG INC | 111 EAST DECATUR STREET DECATUR, IL 62521 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $10K | 19.87% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG INSURANCE SERVICES | 111 EAST DECATUR STREET DECATUR, IL 62521 | VISION SERVICE PLAN | $1K | — | $1K | 3.46% |
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 | 604 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 604 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 411 | $281K |
| Vision | VISION SERVICE PLAN | 414 | $40K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 604 | $154K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 603 | $50K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 604 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 604 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.