| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AVERGENT LLC3 | 1400 LOMBARDI AVENUE STE 40 GREEN BAY, WI 54304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 8.30% |
| FLOCK IS, INCORPORATED5 | 660 4TH ST #334 SAN FRANCISCO, CA 94107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $690 | $690 | 3.99% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $294 | — | $294 | 1.70% |
| AVERGENT LLC3 | 1400 LOMBARDI AVE STE 40 GREEN BAY, WI 54304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 11.76% |
| FLOCK IS, INCORPORATED5 | 660 4TH ST STE 334 SAN FRANCISCO, CA 94107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $690 | $690 | 4.40% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $507 | — | $507 | 3.24% |
| AVERGENT LLC3 | 1400 LOMBARDI AVENUE STE 40 GREEN BAY, WI 54304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $949 | — | $949 | 7.93% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $248 | — | $248 | 2.07% |
| AVERGENT LLC3 | 1400 LOMBARDI AVE STE 40 GREEN BAY, WI 54304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 12.38% |
| FLOCK IS, INCORPORATED5 | 660 4TH ST #334 SAN FRANCISCO, CA 94107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $690 | $690 | 6.18% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $292 | — | $292 | 2.62% |
| AVERGENT LLC3 | 1400 LOMBARDI AVE STE 40 GREEN BAY, WI 54304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $707 | — | $707 | 8.32% |
| FLOCK IS, INCORPORATED5 | 660 4TH ST #334 SAN FRANCISCO, CA 94107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $680 | $680 | 8.00% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $143 | — | $143 | 1.68% |
| FLOCK IS, INCORPORATED5 | 660 4TH ST #334 SAN FRANCISCO, CA 94107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $690 | $690 | 9.41% |
| AVERGENT LLC3 | 1400 LOMBARDI AVENUE STE 40 GREEN BAY, WI 54304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $639 | — | $639 | 8.72% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $94 | — | $94 | 1.28% |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 113 | $23K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 44 | $17K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 113 | $11K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 113 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.