| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRICOAST ADVISORS LLC3 | 50 LOUIS ST NW STE 510 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 2.92% |
| TRICOAST ADVISORS LLC3 | 50 LOUIS ST NW STE 510 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.53% |
| TRICOAST ADVISORS LLC3 | 50 LOUIS ST NW STE 510 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 5.81% |
| TRICOAST ADVISORS LLC3 | 50 LOUIS ST NW STE 510 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.23% |
| TRICOAST ADVISORS LLC3 | 50 LOUIS ST NW STE 510 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 7.41% |
| TRICOAST ADVISORS LLC3 | 50 LOUIS ST NW STE 510 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 5.87% |
| TRICOAST ADVISORS LLC3 | 50 LOUIS ST NW STE 510 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.96% |
| TRICOAST ADVISORS LLC3 | 50 LOUIS ST NW STE 510 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.85% |
| TRICOAST ADVISORS LLC3 Filed as: TRICOAST ADVISORS, LLC | 50 LOUIS ST NE STE 510 GRAND RAPIDS, MI 49503 | EYEMED VISION CARE | $4K | — | $4K | 10.71% |
| TRICOAST ADVISORS LLC3 | 50 LOUIS ST NW STE 510 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| TRICOAST ADVISORS LLC3 | 50 LOUIS ST NW STE 510 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.33% |
| TRICOAST ADVISORS LLC3 | 50 LOUIS ST NW STE 510 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| TRICOAST ADVISORS LLC3 | 50 LOUIS ST NW STE 510 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $857 | $857 | 5.51% |
| TRICOAST ADVISORS LLC3 | 50 LOUIS ST NW STE 510 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| TRICOAST ADVISORS LLC3 | 50 LOUIS ST NW STE 510 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $724 | $724 | 6.87% |
| TRICOAST ADVISORS LLC3 | 50 LOUIS ST NW STE 510 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| TRICOAST ADVISORS LLC3 | 50 LOUIS ST NW STE 510 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $580 | $580 | 6.34% |
| TRICOAST ADVISORS LLC3 | 50 LOUIS ST NW STE 510 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 14.99% |
| TRICOAST ADVISORS LLC3 | 50 LOUIS ST NW STE 510 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $364 | $364 | 5.28% |
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 | 294 | 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) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH INSURANCE COMPANY | 483 | $531K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 282 | $214K |
| Vision | EYEMED VISION CARE | 443 | $35K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 356 | $56K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 356 | $100K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 356 | $40K |
| Other(6 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 356 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 483 | — |
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.