| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY, INC | 3931 S DIXIE DR MORAINE, OH 45439 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 11.71% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE RD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY, INC | 3931 S DIXIE DR MORAINE, OH 45439 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $6K | 12.17% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE RD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $676 | — | $676 | 1.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY, INC | 3931 S DIXIE DR MORAINE, OH 45439 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 11.72% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE RD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $742 | — | $742 | 1.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY, INC | 3931 S DIXIE DR MORAINE, OH 45439 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 15.96% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE RD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $898 | — | $898 | 2.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY, INC | 3931 S DIXIE DR MORAINE, OH 45439 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 16.85% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE RD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $495 | — | $495 | 3.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY, INC | 3931 S DIXIE DR MORAINE, OH 45439 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 17.13% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE RD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $432 | — | $432 | 2.87% |
| UNITED OF OMAHA LIFE INSURANCE CO3 | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $12K | $12K | 96.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY, INC | 3931 S DIXIE DR MORIANE, OH 45439 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $409 | $409 | 3.31% |
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 | 226 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 226 | $100K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 220 | $84K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 170 | $40K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 209 | $495K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 226 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.