| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARIOUS - SEE ATTACHED5 Filed as: AFLAC | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $47K | $2K | $49K | 20.34% |
| VARIOUS - SEE ATTACHED5 Filed as: CONTINENTAL AMERICAN INSURANCE CO | 2801 DEVINE STREET COLUMBIA, SC 29205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24K | — | $24K | 16.68% |
| BENEFIT HEALTH ADVISORS3 | 9605 S KINGSTON COURT SUITE 150 ENGLEWOOD, CO 80112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | — | $19K | 15.00% |
| BENEFIT HEALTH ADVISORS3 | 9605 S KINGSTON COURT SUITE 150 ENGLEWOOD, CO 80112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| BENEFIT HEALTH ADVISORS3 | 9605 S KINGSTON COURT SUITE 150 ENGLEWOOD, CO 80112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| COLONIAL LIFE & ACCIDENT5 Filed as: COLONIAL LIFE & ACCIDENT INS CO | PO BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $1K | — | $1K | 7.30% |
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 | 731 | 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) | 731 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 731 | $183K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 731 | $92K |
| Other(5 contracts, 4 carriers) | AFLAC | 731 | $588K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 731 | — |
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.