| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $630 | $4K | 15.56% |
| FLOCK IS, INCORPORATED5 | 660 4TH ST #334 SAN FRANCISCO, CA 94107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $690 | $690 | 2.78% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $702 | $3K | 13.27% |
| FLOCK IS, INCORPORATED5 | 660 4TH ST #334 SAN FRANCISCO, CA 94107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $690 | $690 | 3.21% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $256 | $1K | 12.12% |
| FLOCK IS, INCORPORATED5 | 660 4TH ST #334 SAN FRANCISCO, CA 94107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $690 | $690 | 5.72% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $647 | $2K | 20.66% |
| FLOCK IS, INCORPORATED5 | 660 4TH ST STE 334 SAN FRANCISCO, CA 94107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $690 | $690 | 6.04% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $963 | $473 | $1K | 14.91% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $850 | $311 | $1K | 13.66% |
| FLOCK IS, INCORPORATED5 | 660 4TH ST #334 SAN FRANCISCO, CA 94107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $680 | $680 | 8.00% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $23K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 51 | $21K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $25K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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."
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.