| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERIC S BIRKENSTEIN3 | 892 THORNAPPLE LN GLENCOE, IL 60022 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $220 | $7K | 18.04% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC. | 150 SAWGRASS DR. ROCHESTER, NY 14620 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.55% |
| ERIC S BIRKENSTEIN3 | 892 THORNAPPLE LN GLENCOE, IL 60022 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $447 | $4K | 11.23% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC. | 150 SAWGRASS DR. ROCHESTER, NY 14620 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.17% |
| ERIC S BIRKENSTEIN3 | 892 THORNAPPLE LN GLENCOE, IL 60022 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $398 | $2K | 7.31% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC. | 150 SAWGRASS DR. ROCHESTER, NY 14620 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $881 | $0 | $881 | 3.08% |
| ERIC S BIRKENSTEIN3 | 892 THORNAPPLE LN GLENCOE, IL 60022 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $157 | $3K | 14.60% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC. | 150 SAWGRASS DR. ROCHESTER, NY 14260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.07% |
| ERIC S BIRKENSTEIN3 | 892 THORNAPPLE LN GLENCOE, IL 60022 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $152 | $2K | 14.20% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC. | 150 SAWGRASS DR. ROCHESTER, NY 14620 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.72% |
| ERIC S BIRKENSTEIN3 | 892 THORNAPPLE LN GLENCOE, IL 60022 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $141 | $1K | 11.06% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC. | 150 SAWGRASS DR. ROCHESTER, NY 14620 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $673 | $0 | $673 | 4.98% |
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 | 264 | 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) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 243 | $51K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $32K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $29K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 243 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.