| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RUMMEL BENEFITS GROUP CO3 | 522 S MAIN ST FRANKENMUTH, MI 48734 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| E.A. BECKER & ASSOCIATES INC3 Filed as: E. A. BECKER & ASSOCIATES | PO BOX 5619 SAGINAW, MI 486030619 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| RUMMEL BENEFITS GROUP CO3 | 522 S MAIN ST FRANKENMUTH, MI 48734 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 13.40% |
| HOME OFFICE TPA PAYS COMMISSION3 Filed as: HOME OFFICE DIRECT | ONE HARTFORD PLAZA HARTFORD, CT 06155 | HARTFORD LIFE AND ACCIDENT | — | — | $0 | 0.00% |
| E.A. BECKER & ASSOCIATES INC3 | PO BOX 5619 SAGINAW, MI 48603 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $377 | — | $377 | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RUMMEL BENEFITS GROUP CO INSURANCE AGENT | Other fees; Other commissions; Insurance brokerage commissions and fees; Non-monetary compensation; Insurance agents and brokers Service code 22 | 522 S MAIN ST FRANKENMUTH, MI 48734 | $6K |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $32K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $29K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $22K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 115 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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.