| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $41K | $0 | $41K | 15.00% |
| WENDY RENARD3 Filed as: WENDY M. RENARD | 24133 FAWN COURT STACY, MN 55079 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 9.94% |
| USI INSURANCE SERVICES LLC3 | 75 JOHN ROBERTS ROAD, BUILDING C SOUTH PORTLAND, ME 04106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 5.23% |
| LAURA BUCK3 | 1175 JASMINE GREEN TRAIL SW MARIETTA, GA 30064 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.21% |
| MANNY AM LLC3 Filed as: MANNY AM, LLC AND OTHER AGENTS | 1048 INDEPENDENT AVENUE, SUITE 207A GRAND JUNCTION, CO 81505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $746 | $0 | $746 | 0.84% |
| JULIE MARIE EDWARDS3 | 1285 WEST ROYAL OAKS DRIVE SHOREVIEW, MN 55126 | CONTINENTAL AMERICAN INSURANCE COMPANY | $482 | $0 | $482 | 0.55% |
| USI INSURANCE SERVICES LLC3 | 235 MAGRATH DARBY BOULEVARD SUITE 325 MOUNT PLEASANT, SC 29464 | CONTINENTAL AMERICAN INSURANCE COMPANY | $465 | $0 | $465 | 0.53% |
| LUCAS BAUMGARTNER3 | 20 LAKE STREET NORTH, SUITE 220 FOREST LAKE, MN 55025 | CONTINENTAL AMERICAN INSURANCE COMPANY | $370 | $0 | $370 | 0.42% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62187 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $6K | $0 | $6K | 19.44% |
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 | 446 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 448 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 618 | $31K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 446 | $276K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 446 | $276K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 446 | $276K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 446 | $429K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 618 | — |
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.