| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE CONSULTING ASSOCIATES LLC3 | 101 E BIG BEAVER RD, STE 115 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $2K | $15K | 11.92% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 101 E BIG BEAVER RD, STE 115 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $8K | 15.42% |
| ENROLLMENT ALLIANCE LLC5 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.29% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 101 E BIG BEAVER RD, STE 115 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $8K | 15.59% |
| ENROLLMENT ALLIANCE LLC5 | 1724 E 5TH AVE TAMPA, MI 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.30% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 101 E BIG BEAVER RD, STE 115 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $1K | $7K | 15.13% |
| ENROLLMENT ALLIANCE LLC5 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $573 | $573 | 1.24% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 101 E BIG BEAVER RD, STE 115 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $777 | $3K | 13.96% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 101 E BIG BEAVER RD, STE 115 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $296 | $3K | 16.62% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 101 E BIG BEAVER RD, STE 115 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $391 | $3K | 17.71% |
| ENROLLMENT ALLIANCE LLC5 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 28.27% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 101 E BIG BEAVER ROAD STE 115 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $762 | $232 | $994 | 15.66% |
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 | 311 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 231 | $125K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 223 | $20K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 295 | $52K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 294 | $54K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 295 | $54K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 171 | $0 |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 295 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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.