| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARIOUS - SEE ATTACHED5 Filed as: AFLAC | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $31K | $667 | $32K | 19.22% |
| VARIOUS - SEE ATTACHED5 Filed as: CONTINENTAL AMERICAN INSURANCE CO | PO BOX 427 COLUMBIA, SC 29202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22K | — | $22K | 15.64% |
| ACRISURE LLC3 | 9605 S KINGSTON COURT SUITE 150 ENGLEWOOD, CO 80112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | — | $18K | 12.64% |
| BENEFIT HEALTH ADVISORS3 | 9605 S KINGSTON COURT SUITE 150 ENGLEWOOD, CO 80112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $6K | $10K | 6.82% |
| ACRISURE LLC3 | 9605 S KINGSTON COURT SUITE 150 ENGLEWOOD, CO 80112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 8.33% |
| BENEFIT HEALTH ADVISORS3 | 9605 S KINGSTON COURT SUITE 150 ENGLEWOOD, CO 80112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $5K | $6K | 6.54% |
| ACRISURE LLC3 | 9605 S KINGSTON COURT SUITE 150 ENGLEWOOD, CO 80112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 12.50% |
| BENEFIT HEALTH ADVISORS3 | 9605 S KINGSTON COURT SUITE 150 ENGLEWOOD, CO 80112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $3K | $5K | 7.37% |
| COLONIAL LIFE & ACCIDENT5 Filed as: COLONIAL LIFE & ACCIDENT INS CO | PO BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $1K | $2 | $1K | 13.33% |
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 | 781 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 785 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 781 | $208K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 781 | $98K |
| Other(5 contracts, 4 carriers) | AFLAC | 781 | $525K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 781 | — |
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.