| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STAN SCHULMAN3 | 3400 NANCY ELLEN WAY OWINGS MILLS, MD 21117 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $44K | $47K | 5.48% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2 ENTERPRISE DRIVE SUITE 204 SHELTON, CT 06484 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $19K | $19K | 2.16% |
| STANLEY W SCHULMAN3 | 3400 NANCY ELLEN WAY OWINGS MILLS, MD 21117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS INC | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $832 | $832 | 3.00% |
| STANLEY W SCHULMAN3 | 3400 NANCY ELLEN WAY OWINGS MILLS, MD 21117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS INC | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $705 | $705 | 3.00% |
| STANLEY W SCHULMAN3 | 3400 NANCY ELLEN WAY OWINGS MILLS, MD 21117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS INC | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $484 | $484 | 3.00% |
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 | 165 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 120 | $862K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 120 | $862K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 120 | $862K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $16K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $28K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $24K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.